City comparison
Naples, FL vs Santa Maria, CA
What a paycheck is really worth in each city: prices, rent, state taxes and federal GS pay.
Key findings
- Prices in Santa Maria, CA are 5.4% higher than in Naples, FL. Someone earning $100,000 in Naples, FL would need about $105,400 in Santa Maria, CA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $2,746 a month in Santa Maria, CA versus $1,797 in Naples, FL. On $100,000, that's 44% of take-home pay in Santa Maria, CA and 27% in Naples, FL.
- On $100,000, estimated state income tax is about $5,070 a year higher in Santa Maria, CA than in Naples, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +16.6% moving from Naples, FL to Santa Maria, CA ($106,437 → $124,085), while prices change by +5.4%. Net effect of the transfer: +10.6% in real buying power.
- Naples, FL: price level 103.2 (pricier)
- Santa Maria, CA: price level 108.8 (much pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Naples, FL | Santa Maria, CA | |
|---|---|---|
| Price level (U.S. = 100)2 | 103.2 | 108.8 |
| $100,000 is worth, in the other city2 | $105,424 in Santa Maria | $94,855 in Naples |
| Typical 1-bedroom rent3 | $1,797/mo | $2,746/mo |
| Take-home on $100,00014,15,8 | $79,180 | $74,110 |
| State income tax on $100,000 (estimate)8 | $0 (FL) | $5,070 (CA) |
| Rent burden on $100,000 | 27% | 44% |
| Median pay, all jobs4 | $47,800 | $51,690 |
| Federal locality pay area7 | Rest of U.S. | Los Angeles-Long Beach, CA |
Rent areas: Naples-Marco Island, FL MSA and Santa Maria-Santa Barbara, CA MSA. Metro areas: Naples-Marco Island, FL and Santa Maria-Santa Barbara, CA.
What costs more or less
| Price level (U.S. = 100) | Naples | Santa Maria |
|---|---|---|
| Housing (rent) | 129.4 | 151.4 |
| Goods | 96.2 | 105.2 |
| Utilities | 87.8 | 149.8 |
| Other services | 98.9 | 100.3 |
| Overall | 103.2 | 108.8 |
Moving with the same $100,000 salary
Naples, FL → Santa Maria, CA
Same pay buys less
Buying power −5.1%; rent takes 44% of take-home; state tax +$5,070/yr.
23 Weak offer
Santa Maria, CA → Naples, FL
Same pay goes further
Buying power +5.4%; rent takes 27% of take-home; state tax −$5,070/yr.
82 Strong offer
Federal employees: GS pay
Naples, FL is in the Rest of U.S. pay area; Santa Maria, CA is in Los Angeles-Long Beach, CA. The last column shows what a transfer from Naples, FL to Santa Maria, CA at the same grade and step does to real buying power.
| Grade5,2 | Naples, FL | Santa Maria, CA | Real change, Naples → Santa Maria |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $71,957 | +10.6% |
| GS-11 step 1 | $74,678 | $87,061 | +10.6% |
| GS-12 step 1 | $89,508 | $104,349 | +10.6% |
| GS-13 step 1 | $106,437 | $124,085 | +10.6% |
| GS-14 step 1 | $125,776 | $146,632 | +10.6% |
Pay for common jobs
| Median annual pay4 | Naples, FL | Santa Maria, CA | Santa Maria pay in Naples dollars |
|---|---|---|---|
| Information Security Analysts | $99,000 | $130,770 | $124,041 (+25.3%) |
| Software Developers | $130,730 | $158,290 | $150,145 (+14.9%) |
| Accountants and Auditors | $84,570 | $91,610 | $86,896 (+2.8%) |
| Registered Nurses | $93,330 | $137,360 | $130,292 (+39.6%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.