City comparison

Richmond, VA vs Utica, NY

What a paycheck is really worth in each city: prices, rent and state taxes.

Key findings

  • Prices in Richmond, VA are 5.6% higher than in Utica, NY. Someone earning $100,000 in Utica, NY would need about $105,600 in Richmond, VA to live the same way.
  • Rent is the bigger story: a typical 1-bedroom costs $1,507 a month in Richmond, VA versus $926 in Utica, NY. On $100,000, that's 24% of take-home pay in Richmond, VA and 15% in Utica, NY.
  • Estimated state income tax on $100,000 is close: $4,936 a year in VA and $4,860 in NY.
  • For federal employees, locality pay changes a GS-13 step 1 salary by −4.3% moving from Richmond, VA to Utica, NY ($111,183 → $106,437), while prices change by −5.3%. Net effect of the transfer: +1.1% in real buying power.
RichmondUtica
Price level (U.S. = 100):Under 9292–9898–102102–108Over 108
  • Richmond, VA: price level 97.9 (cheaper)
  • Utica, NY: price level 92.7 (cheaper)

Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.

Side by side

Richmond, VAUtica, NY
Price level (U.S. = 100)297.992.7
$100,000 is worth, in the other city2$94,707 in Utica$105,589 in Richmond
Typical 1-bedroom rent3$1,507/mo$926/mo
Take-home on $100,00014,15,8$74,244$74,320
State income tax on $100,000 (estimate)8$4,936 (VA)$4,860 (NY)
Rent burden on $100,00024%15%
Median pay, all jobs4$51,460$48,970
Federal locality pay area7Richmond, VARest of U.S.

Rent areas: Richmond, VA HUD Metro FMR Area and Utica-Rome, NY MSA. Metro areas: Richmond, VA and Utica-Rome, NY.

What costs more or less

Richmond, VAUtica, NY
Price level (U.S. = 100)RichmondUtica
Housing (rent)99.166.1
Goods96.899.7
Utilities89.2131.9
Other services98.697.8
Overall97.992.7
BEA Regional Price Parities2. Housing covers rents.

Moving with the same $100,000 salary

Richmond, VA → Utica, NY

Same pay goes further

Buying power +5.6%; rent takes 15% of take-home; state tax −$76/yr.

86 Strong offer

Utica, NY → Richmond, VA

Same pay buys less

Buying power −5.3%; rent takes 24% of take-home; state tax +$76/yr.

52 Fair offer

On the GS pay scale?

Richmond, VA is in the Richmond, VA pay area; Utica, NY is in Rest of U.S.. The last column shows what a transfer from Richmond, VA to Utica, NY at the same grade and step does to real buying power.

Grade5,2Richmond, VAUtica, NYReal change, Richmond → Utica
GS-9 step 1$64,475$61,722+1.1%
GS-11 step 1$78,009$74,678+1.1%
GS-12 step 1$93,499$89,508+1.1%
GS-13 step 1$111,183$106,437+1.1%
GS-14 step 1$131,385$125,776+1.1%

Pay for common jobs

Median annual pay4Richmond, VAUtica, NYUtica pay in Richmond dollars
Elementary School Teachers, Except Special Education$61,290$77,010$81,314 (+32.7%)
Software Developers$132,120$113,390$119,728 (−9.4%)
Accountants and Auditors$84,220$79,830$84,292 (+0.1%)
Registered Nurses$93,580$94,300$99,571 (+6.4%)

"Not published" means BLS doesn't release an estimate for that job in that metro.

Check your own offer

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Taxes are estimates for a single filer taking the standard deduction; city and county income taxes are not included. See the methodology.

Notes & Sources

  1. U.S. Census Bureau, Metropolitan Statistical Area population estimates (Vintage 2025) (2025). Retrieved 2026-09-29.
  2. U.S. Bureau of Economic Analysis, Regional Price Parities by MSA (MARPP), all items (2024). Retrieved 2026-09-29.
  3. U.S. Department of Housing and Urban Development, Fair Market Rents, 1-bedroom (2026). Retrieved 2026-09-29.
  4. U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025, metropolitan areas (2025). Retrieved 2026-09-29.
  5. U.S. Office of Personnel Management, General Schedule (GS) pay rates with locality pay, 2026 (2026). Retrieved 2026-09-29.
  6. U.S. Office of Personnel Management, Locality codes used in the 2026 GS pay spreadsheet (2026). Retrieved 2026-09-29.
  7. U.S. Office of Personnel Management, 2026 Locality Pay Area Definitions (counties in each pay area) (2026). Retrieved 2026-09-29.
  8. Tax Foundation, State Individual Income Tax Rates and Brackets, 2026 (2026). Retrieved 2026-09-29.
  9. U.S. Census Bureau, Cartographic boundary file: states, 1:20,000,000 (2024) (2024). Retrieved 2026-09-29.
  10. U.S. Census Bureau, Gazetteer file: core based statistical areas (2025) (2025). Retrieved 2026-09-29.
  11. U.S. Census Bureau, American Community Survey 5-year estimates, 2020-2024, table C24010 (occupation of employed residents) by ZIP code area (2024). Retrieved 2026-09-29.
  12. U.S. Census Bureau, ZIP Code Tabulation Area relationship files (2020; Connecticut 2022) and Gazetteer locations (2025) (2025). Retrieved 2026-09-29.
  13. U.S. Census Bureau, Cartographic boundary files (ZIP code areas 2020; counties and states 2024) and TIGER/Line primary roads (2024) (2024). Retrieved 2026-09-29.
  14. Internal Revenue Service, Rev. Proc. 2025-32 (2026 tax brackets and standard deduction) (2026). Retrieved 2026-09-29.
  15. Internal Revenue Service, Publication 15 (Circular E), Employer's Tax Guide for 2026 (Social Security and Medicare) (2026). Retrieved 2026-09-29.
  16. U.S. Department of Labor, Employment and Training Administration, O*NET 31.0 Database: Job Titles (used under CC BY 4.0; O*NET is a trademark of USDOL/ETA) (2026). Retrieved 2026-10-14.