City comparison
Naples, FL vs St. Louis, MO
What a paycheck is really worth in each city: prices, rent, state taxes and federal GS pay.
Key findings
- Prices in Naples, FL are 8.5% higher than in St. Louis, MO. Someone earning $100,000 in St. Louis, MO would need about $108,500 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 $995 in St. Louis, MO. On $100,000, that's 27% of take-home pay in Naples, FL and 16% in St. Louis, MO.
- On $100,000, estimated state income tax is about $3,763 a year higher in St. Louis, MO than in Naples, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +2.5% moving from Naples, FL to St. Louis, MO ($106,437 → $109,137), while prices change by −7.9%. Net effect of the transfer: +11.3% in real buying power.
- Naples, FL: price level 103.2 (pricier)
- St. Louis, MO: price level 95.1 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Naples, FL | St. Louis, MO | |
|---|---|---|
| Price level (U.S. = 100)2 | 103.2 | 95.1 |
| $100,000 is worth, in the other city2 | $92,140 in St. Louis | $108,531 in Naples |
| Typical 1-bedroom rent3 | $1,797/mo | $995/mo |
| Take-home on $100,00014,15,8 | $79,180 | $75,417 |
| State income tax on $100,000 (estimate)8 | $0 (FL) | $3,763 (MO) |
| Rent burden on $100,000 | 27% | 16% |
| Median pay, all jobs4 | $47,800 | $49,990 |
| Federal locality pay area7 | Rest of U.S. | St. Louis-St. Charles-Farmington, MO-IL |
Rent areas: Naples-Marco Island, FL MSA and St. Louis, MO-IL HUD Metro FMR Area. Metro areas: Naples-Marco Island, FL and St. Louis, MO-IL.
What costs more or less
| Price level (U.S. = 100) | Naples | St. Louis |
|---|---|---|
| Housing (rent) | 129.4 | 79.0 |
| Goods | 96.2 | 100.0 |
| Utilities | 87.8 | 69.9 |
| Other services | 98.9 | 98.6 |
| Overall | 103.2 | 95.1 |
Moving with the same $100,000 salary
Naples, FL → St. Louis, MO
Same pay goes further
Buying power +8.5%; rent takes 16% of take-home; state tax +$3,763/yr.
95 Strong offer
St. Louis, MO → Naples, FL
Same pay buys less
Buying power −7.9%; rent takes 27% of take-home; state tax −$3,763/yr.
41 Weak offer
Federal employees: GS pay
Naples, FL is in the Rest of U.S. pay area; St. Louis, MO is in St. Louis-St. Charles-Farmington, MO-IL. The last column shows what a transfer from Naples, FL to St. Louis, MO at the same grade and step does to real buying power.
| Grade5,2 | Naples, FL | St. Louis, MO | Real change, Naples → St. Louis |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $63,288 | +11.3% |
| GS-11 step 1 | $74,678 | $76,573 | +11.3% |
| GS-12 step 1 | $89,508 | $91,779 | +11.3% |
| GS-13 step 1 | $106,437 | $109,137 | +11.3% |
| GS-14 step 1 | $125,776 | $128,967 | +11.3% |
Pay for common jobs
| Median annual pay4 | Naples, FL | St. Louis, MO | St. Louis pay in Naples dollars |
|---|---|---|---|
| Information Security Analysts | $99,000 | $106,420 | $115,499 (+16.7%) |
| Software Developers | $130,730 | $129,030 | $140,038 (+7.1%) |
| Accountants and Auditors | $84,570 | $78,880 | $85,609 (+1.2%) |
| Registered Nurses | $93,330 | $83,180 | $90,276 (−3.3%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.