City comparison
Modesto, CA vs Naples, FL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Overall prices in Modesto, CA (104.1) and Naples, FL (103.2, U.S. average = 100) are within 1% of each other, so $100,000 in Modesto, CA goes as far as $99,100 in Naples, FL.
- Rent is the bigger story: a typical 1-bedroom costs $1,797 a month in Naples, FL versus $1,356 in Modesto, CA. On $100,000, that's 27% of take-home pay in Naples, FL and 22% in Modesto, CA.
- On $100,000, estimated state income tax is about $5,070 a year higher in Modesto, CA than in Naples, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by −20.0% moving from Modesto, CA to Naples, FL ($133,060 → $106,437), while prices change by −0.9%. Net effect of the transfer: −19.3% in real buying power.
- Modesto, CA: price level 104.1 (pricier)
- Naples, FL: price level 103.2 (pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Modesto, CA | Naples, FL | |
|---|---|---|
| Price level (U.S. = 100)2 | 104.1 | 103.2 |
| $100,000 is worth, in the other city2 | $99,128 in Naples | $100,880 in Modesto |
| Typical 1-bedroom rent3 | $1,356/mo | $1,797/mo |
| Take-home on $100,00014,15,8 | $74,110 | $79,180 |
| State income tax on $100,000 (estimate)8 | $5,070 (CA) | $0 (FL) |
| Rent burden on $100,000 | 22% | 27% |
| Median pay, all jobs4 | $50,610 | $47,800 |
| Federal locality pay area7 | San Jose-San Francisco-Oakland, CA | Rest of U.S. |
Rent areas: Modesto, CA MSA and Naples-Marco Island, FL MSA. Metro areas: Modesto, CA and Naples-Marco Island, FL.
What costs more or less
| Price level (U.S. = 100) | Modesto | Naples |
|---|---|---|
| Housing (rent) | 108.5 | 129.4 |
| Goods | 105.2 | 96.2 |
| Utilities | 152.3 | 87.8 |
| Other services | 100.3 | 98.9 |
| Overall | 104.1 | 103.2 |
Moving with the same $100,000 salary
Modesto, CA → Naples, FL
Roughly even
Buying power +0.9%; rent takes 27% of take-home; state tax −$5,070/yr.
68 Fair offer
Naples, FL → Modesto, CA
Roughly even
Buying power −0.9%; rent takes 22% of take-home; state tax +$5,070/yr.
66 Fair offer
On the GS pay scale?
Modesto, CA is in the San Jose-San Francisco-Oakland, CA pay area; Naples, FL is in Rest of U.S.. The last column shows what a transfer from Modesto, CA to Naples, FL at the same grade and step does to real buying power.
| Grade5,2 | Modesto, CA | Naples, FL | Real change, Modesto → Naples |
|---|---|---|---|
| GS-9 step 1 | $77,161 | $61,722 | −19.3% |
| GS-11 step 1 | $93,358 | $74,678 | −19.3% |
| GS-12 step 1 | $111,896 | $89,508 | −19.3% |
| GS-13 step 1 | $133,060 | $106,437 | −19.3% |
| GS-14 step 1 | $157,236 | $125,776 | −19.3% |
Pay for common jobs
| Median annual pay4 | Modesto, CA | Naples, FL | Naples pay in Modesto dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $101,640 | $60,470 | $61,002 (−40.0%) |
| Software Developers | $119,770 | $130,730 | $131,880 (+10.1%) |
| Accountants and Auditors | $83,560 | $84,570 | $85,314 (+2.1%) |
| Registered Nurses | $132,590 | $93,330 | $94,151 (−29.0%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.