City comparison
Hartford, CT vs Ocala, FL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Hartford, CT are 7.9% higher than in Ocala, FL. Someone earning $100,000 in Ocala, FL would need about $107,900 in Hartford, CT to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,477 a month in Hartford, CT versus $1,172 in Ocala, FL. On $100,000, that's 24% of take-home pay in Hartford, CT and 18% in Ocala, FL.
- On $100,000, estimated state income tax is about $3,925 a year higher in Hartford, CT than in Ocala, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by −11.4% moving from Hartford, CT to Ocala, FL ($120,094 → $106,437), while prices change by −7.3%. Net effect of the transfer: −4.4% in real buying power.
- Hartford, CT: price level 102.7 (pricier)
- Ocala, FL: price level 95.2 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Hartford, CT | Ocala, FL | |
|---|---|---|
| Price level (U.S. = 100)2 | 102.7 | 95.2 |
| $100,000 is worth, in the other city2 | $92,689 in Ocala | $107,888 in Hartford |
| Typical 1-bedroom rent3 | $1,477/mo | $1,172/mo |
| Take-home on $100,00014,15,8 | $75,255 | $79,180 |
| State income tax on $100,000 (estimate)8 | $3,925 (CT) | $0 (FL) |
| Rent burden on $100,000 | 24% | 18% |
| Median pay, all jobs4 | $59,940 | $43,990 |
| Federal locality pay area7 | Hartford-East Hartford, CT-MA | Rest of U.S. |
Rent areas: Hartford-West Hartford-East Hartford, CT MSA and Ocala, FL MSA. Metro areas: Hartford-West Hartford-East Hartford, CT and Ocala, FL.
What costs more or less
| Price level (U.S. = 100) | Hartford | Ocala |
|---|---|---|
| Housing (rent) | 110.2 | 86.2 |
| Goods | 97.3 | 96.2 |
| Utilities | 144.9 | 87.1 |
| Other services | 102.7 | 98.9 |
| Overall | 102.7 | 95.2 |
Moving with the same $100,000 salary
Hartford, CT → Ocala, FL
Same pay goes further
Buying power +7.9%; rent takes 18% of take-home; state tax −$3,925/yr.
93 Strong offer
Ocala, FL → Hartford, CT
Same pay buys less
Buying power −7.3%; rent takes 24% of take-home; state tax +$3,925/yr.
46 Fair offer
On the GS pay scale?
Hartford, CT is in the Hartford-East Hartford, CT-MA pay area; Ocala, FL is in Rest of U.S.. The last column shows what a transfer from Hartford, CT to Ocala, FL at the same grade and step does to real buying power.
| Grade5,2 | Hartford, CT | Ocala, FL | Real change, Hartford → Ocala |
|---|---|---|---|
| GS-9 step 1 | $69,642 | $61,722 | −4.4% |
| GS-11 step 1 | $84,260 | $74,678 | −4.4% |
| GS-12 step 1 | $100,992 | $89,508 | −4.4% |
| GS-13 step 1 | $120,094 | $106,437 | −4.4% |
| GS-14 step 1 | $141,915 | $125,776 | −4.4% |
Pay for common jobs
| Median annual pay4 | Hartford, CT | Ocala, FL | Ocala pay in Hartford dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $79,800 | $57,540 | $62,079 (−22.2%) |
| Software Developers | $132,520 | $112,780 | $121,676 (−8.2%) |
| Accountants and Auditors | $95,940 | $74,370 | $80,236 (−16.4%) |
| Registered Nurses | $101,470 | $79,230 | $85,480 (−15.8%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.