City comparison
Naples, FL vs Richmond, VA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Naples, FL are 5.5% higher than in Richmond, VA. Someone earning $100,000 in Richmond, VA would need about $105,500 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 $1,507 in Richmond, VA. On $100,000, that's 27% of take-home pay in Naples, FL and 24% in Richmond, VA.
- On $100,000, estimated state income tax is about $4,936 a year higher in Richmond, VA than in Naples, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +4.5% moving from Naples, FL to Richmond, VA ($106,437 → $111,183), while prices change by −5.2%. Net effect of the transfer: +10.2% in real buying power.
- Naples, FL: price level 103.2 (pricier)
- 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
| Naples, FL | Richmond, VA | |
|---|---|---|
| Price level (U.S. = 100)2 | 103.2 | 97.9 |
| $100,000 is worth, in the other city2 | $94,824 in Richmond | $105,459 in Naples |
| Typical 1-bedroom rent3 | $1,797/mo | $1,507/mo |
| Take-home on $100,00014,15,8 | $79,180 | $74,244 |
| State income tax on $100,000 (estimate)8 | $0 (FL) | $4,936 (VA) |
| Rent burden on $100,000 | 27% | 24% |
| Median pay, all jobs4 | $47,800 | $51,460 |
| Federal locality pay area7 | Rest of U.S. | Richmond, VA |
Rent areas: Naples-Marco Island, FL MSA and Richmond, VA HUD Metro FMR Area. Metro areas: Naples-Marco Island, FL and Richmond, VA.
What costs more or less
| Price level (U.S. = 100) | Naples | Richmond |
|---|---|---|
| Housing (rent) | 129.4 | 99.1 |
| Goods | 96.2 | 96.8 |
| Utilities | 87.8 | 89.2 |
| Other services | 98.9 | 98.6 |
| Overall | 103.2 | 97.9 |
Moving with the same $100,000 salary
Naples, FL → Richmond, VA
Same pay goes further
Buying power +5.5%; rent takes 24% of take-home; state tax +$4,936/yr.
86 Strong offer
Richmond, VA → Naples, FL
Same pay buys less
Buying power −5.2%; rent takes 27% of take-home; state tax −$4,936/yr.
49 Fair offer
On the GS pay scale?
Naples, FL is in the Rest of U.S. pay area; Richmond, VA is in Richmond, VA. The last column shows what a transfer from Naples, FL to Richmond, VA at the same grade and step does to real buying power.
| Grade5,2 | Naples, FL | Richmond, VA | Real change, Naples → Richmond |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $64,475 | +10.2% |
| GS-11 step 1 | $74,678 | $78,009 | +10.2% |
| GS-12 step 1 | $89,508 | $93,499 | +10.2% |
| GS-13 step 1 | $106,437 | $111,183 | +10.2% |
| GS-14 step 1 | $125,776 | $131,385 | +10.2% |
Pay for common jobs
| Median annual pay4 | Naples, FL | Richmond, VA | Richmond pay in Naples dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $60,470 | $61,290 | $64,636 (+6.9%) |
| Software Developers | $130,730 | $132,120 | $139,332 (+6.6%) |
| Accountants and Auditors | $84,570 | $84,220 | $88,818 (+5.0%) |
| Registered Nurses | $93,330 | $93,580 | $98,688 (+5.7%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.