City comparison

Indianapolis, IN vs Pensacola, FL

What a paycheck is really worth in each city: prices, rent and state taxes.

Key findings

  • Prices in Pensacola, FL are 2.1% higher than in Indianapolis, IN. Someone earning $100,000 in Indianapolis, IN would need about $102,100 in Pensacola, FL to live the same way.
  • Typical 1-bedroom rents are close: $1,267 a month in Indianapolis, IN and $1,257 in Pensacola, FL.
  • On $100,000, estimated state income tax is about $2,921 a year higher in Indianapolis, IN than in Pensacola, FL.
  • For federal employees, locality pay changes a GS-13 step 1 salary by −0.9% moving from Indianapolis, IN to Pensacola, FL ($107,428 → $106,437), while prices change by +2.1%. Net effect of the transfer: −3.0% in real buying power.
IndianapolisPensacola
Price level (U.S. = 100):Under 9292–9898–102102–108Over 108
  • Indianapolis, IN: price level 95.7 (cheaper)
  • Pensacola, FL: price level 97.7 (cheaper)

Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.

Side by side

Indianapolis, INPensacola, FL
Price level (U.S. = 100)295.797.7
$100,000 is worth, in the other city2$102,112 in Pensacola$97,932 in Indianapolis
Typical 1-bedroom rent3$1,267/mo$1,257/mo
Take-home on $100,00014,15,8$76,260$79,180
State income tax on $100,000 (estimate)8$2,921 (IN)$0 (FL)
Rent burden on $100,00020%19%
Median pay, all jobs4$49,340$46,240
Federal locality pay area7Indianapolis-Carmel-Muncie, INRest of U.S.

Rent areas: Indianapolis-Carmel, IN HUD Metro FMR Area and Pensacola-Ferry Pass-Brent, FL MSA. Metro areas: Indianapolis-Carmel-Greenwood, IN and Pensacola-Ferry Pass-Brent, FL.

What costs more or less

Indianapolis, INPensacola, FL
Price level (U.S. = 100)IndianapolisPensacola
Housing (rent)88.998.8
Goods94.396.2
Utilities86.488.5
Other services99.198.9
Overall95.797.7
BEA Regional Price Parities2. Housing covers rents.

Moving with the same $100,000 salary

Indianapolis, IN → Pensacola, FL

Same pay buys less

Buying power −2.1%; rent takes 19% of take-home; state tax −$2,921/yr.

62 Fair offer

Pensacola, FL → Indianapolis, IN

Same pay goes further

Buying power +2.1%; rent takes 20% of take-home; state tax +$2,921/yr.

75 Strong offer

On the GS pay scale?

Indianapolis, IN is in the Indianapolis-Carmel-Muncie, IN pay area; Pensacola, FL is in Rest of U.S.. The last column shows what a transfer from Indianapolis, IN to Pensacola, FL at the same grade and step does to real buying power.

Grade5,2Indianapolis, INPensacola, FLReal change, Indianapolis → Pensacola
GS-9 step 1$62,297$61,722−3.0%
GS-11 step 1$75,374$74,678−3.0%
GS-12 step 1$90,341$89,508−3.0%
GS-13 step 1$107,428$106,437−3.0%
GS-14 step 1$126,947$125,776−3.0%

Pay for common jobs

Median annual pay4Indianapolis, INPensacola, FLPensacola pay in Indianapolis dollars
Elementary School Teachers, Except Special Education$60,510$50,360$49,318 (−18.5%)
Software Developers$106,870$108,430$106,187 (−0.6%)
Accountants and Auditors$79,290$76,410$74,830 (−5.6%)
Registered Nurses$84,230$77,890$76,279 (−9.4%)

"Not published" means BLS doesn't release an estimate for that job in that metro.

Check your own offer

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Taxes are estimates for a single filer taking the standard deduction; city and county income taxes are not included. See the methodology.

Notes & Sources

  1. U.S. Census Bureau, Metropolitan Statistical Area population estimates (Vintage 2025) (2025). Retrieved 2026-09-29.
  2. U.S. Bureau of Economic Analysis, Regional Price Parities by MSA (MARPP), all items (2024). Retrieved 2026-09-29.
  3. U.S. Department of Housing and Urban Development, Fair Market Rents, 1-bedroom (2026). Retrieved 2026-09-29.
  4. U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025, metropolitan areas (2025). Retrieved 2026-09-29.
  5. U.S. Office of Personnel Management, General Schedule (GS) pay rates with locality pay, 2026 (2026). Retrieved 2026-09-29.
  6. U.S. Office of Personnel Management, Locality codes used in the 2026 GS pay spreadsheet (2026). Retrieved 2026-09-29.
  7. U.S. Office of Personnel Management, 2026 Locality Pay Area Definitions (counties in each pay area) (2026). Retrieved 2026-09-29.
  8. Tax Foundation, State Individual Income Tax Rates and Brackets, 2026 (2026). Retrieved 2026-09-29.
  9. U.S. Census Bureau, Cartographic boundary file: states, 1:20,000,000 (2024) (2024). Retrieved 2026-09-29.
  10. U.S. Census Bureau, Gazetteer file: core based statistical areas (2025) (2025). Retrieved 2026-09-29.
  11. U.S. Census Bureau, American Community Survey 5-year estimates, 2020-2024, table C24010 (occupation of employed residents) by ZIP code area (2024). Retrieved 2026-09-29.
  12. U.S. Census Bureau, ZIP Code Tabulation Area relationship files (2020; Connecticut 2022) and Gazetteer locations (2025) (2025). Retrieved 2026-09-29.
  13. U.S. Census Bureau, Cartographic boundary files (ZIP code areas 2020; counties and states 2024) and TIGER/Line primary roads (2024) (2024). Retrieved 2026-09-29.
  14. Internal Revenue Service, Rev. Proc. 2025-32 (2026 tax brackets and standard deduction) (2026). Retrieved 2026-09-29.
  15. Internal Revenue Service, Publication 15 (Circular E), Employer's Tax Guide for 2026 (Social Security and Medicare) (2026). Retrieved 2026-09-29.
  16. U.S. Department of Labor, Employment and Training Administration, O*NET 31.0 Database: Job Titles (used under CC BY 4.0; O*NET is a trademark of USDOL/ETA) (2026). Retrieved 2026-10-14.