City comparison
Naples, FL vs Providence, RI
What a paycheck is really worth in each city: prices, rent, state taxes and federal GS pay.
Key findings
- Prices in Naples, FL are 1.4% higher than in Providence, RI. Someone earning $100,000 in Providence, RI would need about $101,400 in Naples, FL to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,797 a month in Naples, FL versus $1,402 in Providence, RI. On $100,000, that's 27% of take-home pay in Naples, FL and 22% in Providence, RI.
- On $100,000, estimated state income tax is about $3,148 a year higher in Providence, RI than in Naples, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +13.3% moving from Naples, FL to Providence, RI ($106,437 → $120,548), while prices change by −1.4%. Net effect of the transfer: +14.8% in real buying power.
- Naples, FL: price level 103.2 (pricier)
- Providence, RI: price level 101.8 (about average)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Naples, FL | Providence, RI | |
|---|---|---|
| Price level (U.S. = 100)2 | 103.2 | 101.8 |
| $100,000 is worth, in the other city2 | $98,617 in Providence | $101,402 in Naples |
| Typical 1-bedroom rent3 | $1,797/mo | $1,402/mo |
| Take-home on $100,00014,15,8 | $79,180 | $76,032 |
| State income tax on $100,000 (estimate)8 | $0 (FL) | $3,148 (RI) |
| Rent burden on $100,000 | 27% | 22% |
| Median pay, all jobs4 | $47,800 | $53,680 |
| Federal locality pay area7 | Rest of U.S. | Boston-Worcester-Providence, MA-RI-NH-CT-ME-VT |
Rent areas: Naples-Marco Island, FL MSA and Providence-Fall River, RI-MA HUD Metro FMR Area. Metro areas: Naples-Marco Island, FL and Providence-Warwick, RI-MA.
What costs more or less
| Price level (U.S. = 100) | Naples | Providence |
|---|---|---|
| Housing (rent) | 129.4 | 103.9 |
| Goods | 96.2 | 97.1 |
| Utilities | 87.8 | 148.8 |
| Other services | 98.9 | 102.3 |
| Overall | 103.2 | 101.8 |
Moving with the same $100,000 salary
Naples, FL → Providence, RI
Roughly even
Buying power +1.4%; rent takes 22% of take-home; state tax +$3,148/yr.
73 Strong offer
Providence, RI → Naples, FL
Roughly even
Buying power −1.4%; rent takes 27% of take-home; state tax −$3,148/yr.
61 Fair offer
Federal employees: GS pay
Naples, FL is in the Rest of U.S. pay area; Providence, RI is in Boston-Worcester-Providence, MA-RI-NH-CT-ME-VT. The last column shows what a transfer from Naples, FL to Providence, RI at the same grade and step does to real buying power.
| Grade5,2 | Naples, FL | Providence, RI | Real change, Naples → Providence |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $69,905 | +14.8% |
| GS-11 step 1 | $74,678 | $84,579 | +14.8% |
| GS-12 step 1 | $89,508 | $101,375 | +14.8% |
| GS-13 step 1 | $106,437 | $120,548 | +14.8% |
| GS-14 step 1 | $125,776 | $142,452 | +14.8% |
Pay for common jobs
| Median annual pay4 | Naples, FL | Providence, RI | Providence pay in Naples dollars |
|---|---|---|---|
| Information Security Analysts | $99,000 | $109,940 | $111,482 (+12.6%) |
| Software Developers | $130,730 | $130,690 | $132,522 (+1.4%) |
| Accountants and Auditors | $84,570 | $95,020 | $96,352 (+13.9%) |
| Registered Nurses | $93,330 | $99,880 | $101,280 (+8.5%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.