City comparison
Naples, FL vs Rochester, NY
What a paycheck is really worth in each city: prices, rent, state taxes and federal GS pay.
Key findings
- Prices in Naples, FL are 6.4% higher than in Rochester, NY. Someone earning $100,000 in Rochester, NY would need about $106,400 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 $1,256 in Rochester, NY. On $100,000, that's 27% of take-home pay in Naples, FL and 20% in Rochester, NY.
- On $100,000, estimated state income tax is about $4,860 a year higher in Rochester, NY than in Naples, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +0.7% moving from Naples, FL to Rochester, NY ($106,437 → $107,182), while prices change by −6.0%. Net effect of the transfer: +7.1% in real buying power.
- Naples, FL: price level 103.2 (pricier)
- 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
| Naples, FL | Rochester, NY | |
|---|---|---|
| Price level (U.S. = 100)2 | 103.2 | 97.0 |
| $100,000 is worth, in the other city2 | $94,026 in Rochester | $106,353 in Naples |
| Typical 1-bedroom rent3 | $1,797/mo | $1,256/mo |
| Take-home on $100,00014,15,8 | $79,180 | $74,320 |
| State income tax on $100,000 (estimate)8 | $0 (FL) | $4,860 (NY) |
| Rent burden on $100,000 | 27% | 20% |
| Median pay, all jobs4 | $47,800 | $51,210 |
| Federal locality pay area7 | Rest of U.S. | Rochester-Batavia-Seneca Falls, NY |
Rent areas: Naples-Marco Island, FL MSA and Rochester, NY MSA. Metro areas: Naples-Marco Island, FL and Rochester, NY.
What costs more or less
| Price level (U.S. = 100) | Naples | Rochester |
|---|---|---|
| Housing (rent) | 129.4 | 87.5 |
| Goods | 96.2 | 99.7 |
| Utilities | 87.8 | 133.2 |
| Other services | 98.9 | 97.8 |
| Overall | 103.2 | 97.0 |
Moving with the same $100,000 salary
Naples, FL → Rochester, NY
Same pay goes further
Buying power +6.4%; rent takes 20% of take-home; state tax +$4,860/yr.
89 Strong offer
Rochester, NY → Naples, FL
Same pay buys less
Buying power −6.0%; rent takes 27% of take-home; state tax −$4,860/yr.
47 Fair offer
Federal employees: GS pay
Naples, FL 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 Naples, FL to Rochester, NY at the same grade and step does to real buying power.
| Grade5,2 | Naples, FL | Rochester, NY | Real change, Naples → Rochester |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $62,155 | +7.1% |
| GS-11 step 1 | $74,678 | $75,202 | +7.1% |
| GS-12 step 1 | $89,508 | $90,135 | +7.1% |
| GS-13 step 1 | $106,437 | $107,182 | +7.1% |
| GS-14 step 1 | $125,776 | $126,657 | +7.1% |
Pay for common jobs
| Median annual pay4 | Naples, FL | Rochester, NY | Rochester pay in Naples dollars |
|---|---|---|---|
| Information Security Analysts | $99,000 | $105,860 | $112,586 (+13.7%) |
| Software Developers | $130,730 | $122,770 | $130,570 (−0.1%) |
| Accountants and Auditors | $84,570 | $80,890 | $86,029 (+1.7%) |
| Registered Nurses | $93,330 | $86,570 | $92,070 (−1.3%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.