City comparison
Atlantic City, NJ vs Montgomery, AL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Atlantic City, NJ are 10.2% higher than in Montgomery, AL. Someone earning $100,000 in Montgomery, AL would need about $110,200 in Atlantic City, NJ to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,537 a month in Atlantic City, NJ versus $870 in Montgomery, AL. On $100,000, that's 25% of take-home pay in Atlantic City, NJ and 14% in Montgomery, AL.
- On $100,000, estimated state income tax is about $555 a year higher in Montgomery, AL than in Atlantic City, NJ.
- For federal employees, locality pay changes a GS-13 step 1 salary by −9.2% moving from Atlantic City, NJ to Montgomery, AL ($117,284 → $106,437), while prices change by −9.3%. Net effect of the transfer: +0.0% in real buying power.
- Atlantic City, NJ: price level 98.9 (about average)
- Montgomery, AL: price level 89.7 (much cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Atlantic City, NJ | Montgomery, AL | |
|---|---|---|
| Price level (U.S. = 100)2 | 98.9 | 89.7 |
| $100,000 is worth, in the other city2 | $90,719 in Montgomery | $110,231 in Atlantic City |
| Typical 1-bedroom rent3 | $1,537/mo | $870/mo |
| Take-home on $100,00014,15,8 | $75,000 | $74,445 |
| State income tax on $100,000 (estimate)8 | $4,180 (NJ) | $4,735 (AL) |
| Rent burden on $100,000 | 25% | 14% |
| Median pay, all jobs4 | $47,520 | $44,950 |
| Federal locality pay area7 | Philadelphia-Reading-Camden, PA-NJ-DE-MD | Rest of U.S. |
Rent areas: Atlantic City-Hammonton, NJ HUD Metro FMR Area and Montgomery, AL MSA. Metro areas: Atlantic City-Hammonton, NJ and Montgomery, AL.
What costs more or less
| Price level (U.S. = 100) | Atlantic City | Montgomery |
|---|---|---|
| Housing (rent) | 98.7 | 64.3 |
| Goods | 99.8 | 96.4 |
| Utilities | 109.2 | 84.9 |
| Other services | 97.9 | 96.7 |
| Overall | 98.9 | 89.7 |
Moving with the same $100,000 salary
Atlantic City, NJ → Montgomery, AL
Same pay goes further
Buying power +10.2%; rent takes 14% of take-home; state tax +$555/yr.
100 Strong offer
Montgomery, AL → Atlantic City, NJ
Same pay buys less
Buying power −9.3%; rent takes 25% of take-home; state tax −$555/yr.
40 Weak offer
On the GS pay scale?
Atlantic City, NJ is in the Philadelphia-Reading-Camden, PA-NJ-DE-MD pay area; Montgomery, AL is in Rest of U.S.. The last column shows what a transfer from Atlantic City, NJ to Montgomery, AL at the same grade and step does to real buying power.
| Grade5,2 | Atlantic City, NJ | Montgomery, AL | Real change, Atlantic City → Montgomery |
|---|---|---|---|
| GS-9 step 1 | $68,013 | $61,722 | +0.0% |
| GS-11 step 1 | $82,289 | $74,678 | +0.0% |
| GS-12 step 1 | $98,630 | $89,508 | +0.0% |
| GS-13 step 1 | $117,284 | $106,437 | +0.0% |
| GS-14 step 1 | $138,595 | $125,776 | +0.0% |
Pay for common jobs
| Median annual pay4 | Atlantic City, NJ | Montgomery, AL | Montgomery pay in Atlantic City dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $80,480 | $59,610 | $65,708 (−18.4%) |
| Software Developers | $126,670 | $110,620 | $121,937 (−3.7%) |
| Accountants and Auditors | $83,040 | $75,040 | $82,717 (−0.4%) |
| Registered Nurses | $99,320 | $79,570 | $87,710 (−11.7%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.