City comparison
Ocala, FL vs Phoenix, AZ
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Phoenix, AZ are 8.5% higher than in Ocala, FL. Someone earning $100,000 in Ocala, FL would need about $108,500 in Phoenix, AZ to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,583 a month in Phoenix, AZ versus $1,172 in Ocala, FL. On $100,000, that's 25% of take-home pay in Phoenix, AZ and 18% in Ocala, FL.
- On $100,000, estimated state income tax is about $2,291 a year higher in Phoenix, AZ than in Ocala, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +4.6% moving from Ocala, FL to Phoenix, AZ ($106,437 → $111,338), while prices change by +8.5%. Net effect of the transfer: −3.6% in real buying power.
- Ocala, FL: price level 95.2 (cheaper)
- Phoenix, AZ: price level 103.3 (pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Ocala, FL | Phoenix, AZ | |
|---|---|---|
| Price level (U.S. = 100)2 | 95.2 | 103.3 |
| $100,000 is worth, in the other city2 | $108,486 in Phoenix | $92,177 in Ocala |
| Typical 1-bedroom rent3 | $1,172/mo | $1,583/mo |
| Take-home on $100,00014,15,8 | $79,180 | $76,889 |
| State income tax on $100,000 (estimate)8 | $0 (FL) | $2,291 (AZ) |
| Rent burden on $100,000 | 18% | 25% |
| Median pay, all jobs4 | $43,990 | $51,380 |
| Federal locality pay area7 | Rest of U.S. | Phoenix-Mesa, AZ |
Rent areas: Ocala, FL MSA and Phoenix-Mesa-Chandler, AZ MSA. Metro areas: Ocala, FL and Phoenix-Mesa-Chandler, AZ.
What costs more or less
| Price level (U.S. = 100) | Ocala | Phoenix |
|---|---|---|
| Housing (rent) | 86.2 | 121.2 |
| Goods | 96.2 | 95.0 |
| Utilities | 87.1 | 93.3 |
| Other services | 98.9 | 104.0 |
| Overall | 95.2 | 103.3 |
Moving with the same $100,000 salary
Ocala, FL → Phoenix, AZ
Same pay buys less
Buying power −7.8%; rent takes 25% of take-home; state tax +$2,291/yr.
44 Weak offer
Phoenix, AZ → Ocala, FL
Same pay goes further
Buying power +8.5%; rent takes 18% of take-home; state tax −$2,291/yr.
95 Strong offer
On the GS pay scale?
Ocala, FL is in the Rest of U.S. pay area; Phoenix, AZ is in Phoenix-Mesa, AZ. The last column shows what a transfer from Ocala, FL to Phoenix, AZ at the same grade and step does to real buying power.
| Grade5,2 | Ocala, FL | Phoenix, AZ | Real change, Ocala → Phoenix |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $64,564 | −3.6% |
| GS-11 step 1 | $74,678 | $78,117 | −3.6% |
| GS-12 step 1 | $89,508 | $93,629 | −3.6% |
| GS-13 step 1 | $106,437 | $111,338 | −3.6% |
| GS-14 step 1 | $125,776 | $131,568 | −3.6% |
Pay for common jobs
| Median annual pay4 | Ocala, FL | Phoenix, AZ | Phoenix pay in Ocala dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $57,540 | $59,180 | $54,551 (−5.2%) |
| Software Developers | $112,780 | $131,750 | $121,444 (+7.7%) |
| Accountants and Auditors | $74,370 | $80,820 | $74,498 (+0.2%) |
| Registered Nurses | $79,230 | $100,830 | $92,942 (+17.3%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.