City comparison

Miami, FL vs Urban Honolulu, HI

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

Key findings

  • Prices in Miami, FL are 2.9% higher than in Urban Honolulu, HI. Someone earning $100,000 in Urban Honolulu, HI would need about $102,900 in Miami, FL to live the same way.
  • Typical 1-bedroom rents are close: $1,995 a month in Miami, FL and $2,016 in Urban Honolulu, HI.
  • On $100,000, estimated state income tax is about $6,070 a year higher in Urban Honolulu, HI than in Miami, FL.
  • For federal employees, locality pay changes a GS-13 step 1 salary by −2.0% moving from Miami, FL to Urban Honolulu, HI ($113,356 → $111,119), while prices change by −2.8%. Net effect of the transfer: +0.8% in real buying power.
MiamiUrban Honolulu
Price level (U.S. = 100):Under 9292–9898–102102–108Over 108
  • Miami, FL: price level 114.2 (much pricier)
  • Urban Honolulu, HI: price level 111.0 (much pricier)

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

Side by side

Miami, FLUrban Honolulu, HI
Price level (U.S. = 100)2114.2111.0
$100,000 is worth, in the other city2$97,202 in Urban Honolulu$102,878 in Miami
Typical 1-bedroom rent3$1,995/mo$2,016/mo
Take-home on $100,00014,15,8$79,180$73,110
State income tax on $100,000 (estimate)8$0 (FL)$6,070 (HI)
Rent burden on $100,00030%33%
Median pay, all jobs4$48,640$57,220
Federal locality pay area7Miami-Port St. Lucie-Fort Lauderdale, FLState of Hawaii

Rent areas: Miami-Miami Beach-Kendall, FL HUD Metro FMR Area and Urban Honolulu, HI MSA. Metro areas: Miami-Fort Lauderdale-West Palm Beach, FL and Urban Honolulu, HI.

What costs more or less

Miami, FLUrban Honolulu, HI
Price level (U.S. = 100)MiamiUrban Honolulu
Housing (rent)155.6135.5
Goods103.6111.6
Utilities97.2187.3
Other services109.1102.9
Overall114.2111.0
BEA Regional Price Parities2. Housing covers rents.

Moving with the same $100,000 salary

Miami, FL → Urban Honolulu, HI

Same pay goes further

Buying power +2.9%; rent takes 33% of take-home; state tax +$6,070/yr.

66 Fair offer

Urban Honolulu, HI → Miami, FL

Same pay buys less

Buying power −2.8%; rent takes 30% of take-home; state tax −$6,070/yr.

52 Fair offer

On the GS pay scale?

Miami, FL is in the Miami-Port St. Lucie-Fort Lauderdale, FL pay area; Urban Honolulu, HI is in State of Hawaii. The last column shows what a transfer from Miami, FL to Urban Honolulu, HI at the same grade and step does to real buying power.

Grade5,2Miami, FLUrban Honolulu, HIReal change, Miami → Urban Honolulu
GS-9 step 1$65,735$64,438+0.8%
GS-11 step 1$79,533$77,964+0.8%
GS-12 step 1$95,326$93,445+0.8%
GS-13 step 1$113,356$111,119+0.8%
GS-14 step 1$133,953$131,310+0.8%

Pay for common jobs

Median annual pay4Miami, FLUrban Honolulu, HIUrban Honolulu pay in Miami dollars
Elementary School Teachers, Except Special Education$58,300$73,080$75,184 (+29.0%)
Software Developers$132,650$120,230$123,691 (−6.8%)
Accountants and Auditors$80,920$74,990$77,149 (−4.7%)
Registered Nurses$91,380$139,260$143,269 (+56.8%)

"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.