City comparison

McAllen, TX vs Rochester, NY

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

Key findings

  • Prices in Rochester, NY are 13.0% higher than in McAllen, TX. Someone earning $100,000 in McAllen, TX would need about $113,000 in Rochester, NY to live the same way.
  • Rent is the bigger story: a typical 1-bedroom costs $1,256 a month in Rochester, NY versus $847 in McAllen, TX. On $100,000, that's 20% of take-home pay in Rochester, NY and 13% in McAllen, TX.
  • On $100,000, estimated state income tax is about $4,860 a year higher in Rochester, NY than in McAllen, TX.
  • For federal employees, locality pay changes a GS-13 step 1 salary by +0.7% moving from McAllen, TX to Rochester, NY ($106,437 → $107,182), while prices change by +13.0%. Net effect of the transfer: −10.9% in real buying power.
McAllenRochester
Price level (U.S. = 100):Under 9292–9898–102102–108Over 108
  • McAllen, TX: price level 85.9 (much cheaper)
  • Rochester, NY: price level 97.0 (cheaper)

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

Side by side

McAllen, TXRochester, NY
Price level (U.S. = 100)285.997.0
$100,000 is worth, in the other city2$112,969 in Rochester$88,520 in McAllen
Typical 1-bedroom rent3$847/mo$1,256/mo
Take-home on $100,00014,15,8$79,180$74,320
State income tax on $100,000 (estimate)8$0 (TX)$4,860 (NY)
Rent burden on $100,00013%20%
Median pay, all jobs4$35,830$51,210
Federal locality pay area7Rest of U.S.Rochester-Batavia-Seneca Falls, NY

Rent areas: McAllen-Edinburg-Mission, TX MSA and Rochester, NY MSA. Metro areas: McAllen-Edinburg-Mission, TX and Rochester, NY.

What costs more or less

McAllen, TXRochester, NY
Price level (U.S. = 100)McAllenRochester
Housing (rent)55.987.5
Goods93.899.7
Utilities81.2133.2
Other services96.297.8
Overall85.997.0
BEA Regional Price Parities2. Housing covers rents.

Moving with the same $100,000 salary

McAllen, TX → Rochester, NY

Same pay buys less

Buying power −11.5%; rent takes 20% of take-home; state tax +$4,860/yr.

38 Weak offer

Rochester, NY → McAllen, TX

Same pay goes further

Buying power +13.0%; rent takes 13% of take-home; state tax −$4,860/yr.

100 Strong offer

On the GS pay scale?

McAllen, TX is in the Rest of U.S. pay area; Rochester, NY is in Rochester-Batavia-Seneca Falls, NY. The last column shows what a transfer from McAllen, TX to Rochester, NY at the same grade and step does to real buying power.

Grade5,2McAllen, TXRochester, NYReal change, McAllen → Rochester
GS-9 step 1$61,722$62,155−10.9%
GS-11 step 1$74,678$75,202−10.9%
GS-12 step 1$89,508$90,135−10.9%
GS-13 step 1$106,437$107,182−10.9%
GS-14 step 1$125,776$126,657−10.9%

Pay for common jobs

Median annual pay4McAllen, TXRochester, NYRochester pay in McAllen dollars
Elementary School Teachers, Except Special Education$63,110$62,840$55,626 (−11.9%)
Software Developers$116,120$122,770$108,676 (−6.4%)
Accountants and Auditors$64,470$80,890$71,604 (+11.1%)
Registered Nurses$80,540$86,570$76,631 (−4.9%)

"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.