City comparison
Pensacola, FL vs Rockford, IL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Pensacola, FL are 6.0% higher than in Rockford, IL. Someone earning $100,000 in Rockford, IL would need about $106,000 in Pensacola, FL to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,257 a month in Pensacola, FL versus $895 in Rockford, IL. On $100,000, that's 19% of take-home pay in Pensacola, FL and 14% in Rockford, IL.
- On $100,000, estimated state income tax is about $4,805 a year higher in Rockford, IL than in Pensacola, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +11.8% moving from Pensacola, FL to Rockford, IL ($106,437 → $118,984), while prices change by −5.7%. Net effect of the transfer: +18.5% in real buying power.
- Pensacola, FL: price level 97.7 (cheaper)
- Rockford, IL: price level 92.2 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Pensacola, FL | Rockford, IL | |
|---|---|---|
| Price level (U.S. = 100)2 | 97.7 | 92.2 |
| $100,000 is worth, in the other city2 | $94,307 in Rockford | $106,037 in Pensacola |
| Typical 1-bedroom rent3 | $1,257/mo | $895/mo |
| Take-home on $100,00014,15,8 | $79,180 | $74,375 |
| State income tax on $100,000 (estimate)8 | $0 (FL) | $4,805 (IL) |
| Rent burden on $100,000 | 19% | 14% |
| Median pay, all jobs4 | $46,240 | $47,120 |
| Federal locality pay area7 | Rest of U.S. | Chicago-Naperville, IL-IN-WI |
Rent areas: Pensacola-Ferry Pass-Brent, FL MSA and Rockford, IL MSA. Metro areas: Pensacola-Ferry Pass-Brent, FL and Rockford, IL.
What costs more or less
| Price level (U.S. = 100) | Pensacola | Rockford |
|---|---|---|
| Housing (rent) | 98.8 | 70.1 |
| Goods | 96.2 | 93.6 |
| Utilities | 88.5 | 89.4 |
| Other services | 98.9 | 99.6 |
| Overall | 97.7 | 92.2 |
Moving with the same $100,000 salary
Pensacola, FL → Rockford, IL
Same pay goes further
Buying power +6.0%; rent takes 14% of take-home; state tax +$4,805/yr.
88 Strong offer
Rockford, IL → Pensacola, FL
Same pay buys less
Buying power −5.7%; rent takes 19% of take-home; state tax −$4,805/yr.
51 Fair offer
On the GS pay scale?
Pensacola, FL is in the Rest of U.S. pay area; Rockford, IL is in Chicago-Naperville, IL-IN-WI. The last column shows what a transfer from Pensacola, FL to Rockford, IL at the same grade and step does to real buying power.
| Grade5,2 | Pensacola, FL | Rockford, IL | Real change, Pensacola → Rockford |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $68,999 | +18.5% |
| GS-11 step 1 | $74,678 | $83,482 | +18.5% |
| GS-12 step 1 | $89,508 | $100,059 | +18.5% |
| GS-13 step 1 | $106,437 | $118,984 | +18.5% |
| GS-14 step 1 | $125,776 | $140,604 | +18.5% |
Pay for common jobs
| Median annual pay4 | Pensacola, FL | Rockford, IL | Rockford pay in Pensacola dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $50,360 | $64,200 | $68,076 (+35.2%) |
| Software Developers | $108,430 | $107,640 | $114,138 (+5.3%) |
| Accountants and Auditors | $76,410 | $75,260 | $79,803 (+4.4%) |
| Registered Nurses | $77,890 | $80,930 | $85,815 (+10.2%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.