City comparison
McAllen, TX vs Richmond, VA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Richmond, VA are 13.9% higher than in McAllen, TX. Someone earning $100,000 in McAllen, TX would need about $113,900 in Richmond, VA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,507 a month in Richmond, VA versus $847 in McAllen, TX. On $100,000, that's 24% of take-home pay in Richmond, VA and 13% in McAllen, TX.
- On $100,000, estimated state income tax is about $4,936 a year higher in Richmond, VA than in McAllen, TX.
- For federal employees, locality pay changes a GS-13 step 1 salary by +4.5% moving from McAllen, TX to Richmond, VA ($106,437 → $111,183), while prices change by +13.9%. Net effect of the transfer: −8.3% in real buying power.
- McAllen, TX: price level 85.9 (much cheaper)
- Richmond, VA: price level 97.9 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| McAllen, TX | Richmond, VA | |
|---|---|---|
| Price level (U.S. = 100)2 | 85.9 | 97.9 |
| $100,000 is worth, in the other city2 | $113,927 in Richmond | $87,775 in McAllen |
| Typical 1-bedroom rent3 | $847/mo | $1,507/mo |
| Take-home on $100,00014,15,8 | $79,180 | $74,244 |
| State income tax on $100,000 (estimate)8 | $0 (TX) | $4,936 (VA) |
| Rent burden on $100,000 | 13% | 24% |
| Median pay, all jobs4 | $35,830 | $51,460 |
| Federal locality pay area7 | Rest of U.S. | Richmond, VA |
Rent areas: McAllen-Edinburg-Mission, TX MSA and Richmond, VA HUD Metro FMR Area. Metro areas: McAllen-Edinburg-Mission, TX and Richmond, VA.
What costs more or less
| Price level (U.S. = 100) | McAllen | Richmond |
|---|---|---|
| Housing (rent) | 55.9 | 99.1 |
| Goods | 93.8 | 96.8 |
| Utilities | 81.2 | 89.2 |
| Other services | 96.2 | 98.6 |
| Overall | 85.9 | 97.9 |
Moving with the same $100,000 salary
McAllen, TX → Richmond, VA
Same pay buys less
Buying power −12.2%; rent takes 24% of take-home; state tax +$4,936/yr.
38 Weak offer
Richmond, VA → McAllen, TX
Same pay goes further
Buying power +13.9%; rent takes 13% of take-home; state tax −$4,936/yr.
100 Strong offer
On the GS pay scale?
McAllen, TX is in the Rest of U.S. pay area; Richmond, VA is in Richmond, VA. The last column shows what a transfer from McAllen, TX to Richmond, VA at the same grade and step does to real buying power.
| Grade5,2 | McAllen, TX | Richmond, VA | Real change, McAllen → Richmond |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $64,475 | −8.3% |
| GS-11 step 1 | $74,678 | $78,009 | −8.3% |
| GS-12 step 1 | $89,508 | $93,499 | −8.3% |
| GS-13 step 1 | $106,437 | $111,183 | −8.3% |
| GS-14 step 1 | $125,776 | $131,385 | −8.3% |
Pay for common jobs
| Median annual pay4 | McAllen, TX | Richmond, VA | Richmond pay in McAllen dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $63,110 | $61,290 | $53,797 (−14.8%) |
| Software Developers | $116,120 | $132,120 | $115,969 (−0.1%) |
| Accountants and Auditors | $64,470 | $84,220 | $73,924 (+14.7%) |
| Registered Nurses | $80,540 | $93,580 | $82,140 (+2.0%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.