City comparison
New York, NY vs Pensacola, FL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in New York, NY are 15.2% higher than in Pensacola, FL. Someone earning $100,000 in Pensacola, FL would need about $115,200 in New York, NY to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $2,655 a month in New York, NY versus $1,257 in Pensacola, FL. On $100,000, that's 43% of take-home pay in New York, NY and 19% in Pensacola, FL.
- On $100,000, estimated state income tax is about $4,860 a year higher in New York, NY than in Pensacola, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by −15.1% moving from New York, NY to Pensacola, FL ($125,431 → $106,437), while prices change by −13.2%. Net effect of the transfer: −2.3% in real buying power.
- New York, NY: price level 112.6 (much pricier)
- Pensacola, FL: price level 97.7 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| New York, NY | Pensacola, FL | |
|---|---|---|
| Price level (U.S. = 100)2 | 112.6 | 97.7 |
| $100,000 is worth, in the other city2 | $86,811 in Pensacola | $115,193 in New York |
| Typical 1-bedroom rent3 | $2,655/mo | $1,257/mo |
| Take-home on $100,00014,15,8 | $74,320 | $79,180 |
| State income tax on $100,000 (estimate)8 | $4,860 (NY) | $0 (FL) |
| Rent burden on $100,000 | 43% | 19% |
| Median pay, all jobs4 | $61,430 | $46,240 |
| Federal locality pay area7 | New York-Newark, NY-NJ-CT-PA | Rest of U.S. |
Rent areas: New York, NY HUD Metro FMR Area and Pensacola-Ferry Pass-Brent, FL MSA. Metro areas: New York-Newark-Jersey City, NY-NJ and Pensacola-Ferry Pass-Brent, FL.
What costs more or less
| Price level (U.S. = 100) | New York | Pensacola |
|---|---|---|
| Housing (rent) | 148.6 | 98.8 |
| Goods | 110.3 | 96.2 |
| Utilities | 127.0 | 88.5 |
| Other services | 105.8 | 98.9 |
| Overall | 112.6 | 97.7 |
Moving with the same $100,000 salary
New York, NY → Pensacola, FL
Same pay goes further
Buying power +15.2%; rent takes 19% of take-home; state tax −$4,860/yr.
100 Strong offer
Pensacola, FL → New York, NY
Same pay buys less
Buying power −13.2%; rent takes 43% of take-home; state tax +$4,860/yr.
11 Weak offer
On the GS pay scale?
New York, NY is in the New York-Newark, NY-NJ-CT-PA pay area; Pensacola, FL is in Rest of U.S.. The last column shows what a transfer from New York, NY to Pensacola, FL at the same grade and step does to real buying power.
| Grade5,2 | New York, NY | Pensacola, FL | Real change, New York → Pensacola |
|---|---|---|---|
| GS-9 step 1 | $72,737 | $61,722 | −2.3% |
| GS-11 step 1 | $88,005 | $74,678 | −2.3% |
| GS-12 step 1 | $105,481 | $89,508 | −2.3% |
| GS-13 step 1 | $125,431 | $106,437 | −2.3% |
| GS-14 step 1 | $148,222 | $125,776 | −2.3% |
Pay for common jobs
| Median annual pay4 | New York, NY | Pensacola, FL | Pensacola pay in New York dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $96,900 | $50,360 | $58,011 (−40.1%) |
| Software Developers | $166,830 | $108,430 | $124,904 (−25.1%) |
| Accountants and Auditors | $105,650 | $76,410 | $88,019 (−16.7%) |
| Registered Nurses | $119,720 | $77,890 | $89,724 (−25.1%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.