City comparison
Austin, TX vs Naples, FL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Naples, FL are 5.2% higher than in Austin, TX. Someone earning $100,000 in Austin, TX would need about $105,200 in Naples, FL to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,797 a month in Naples, FL versus $1,562 in Austin, TX. On $100,000, that's 27% of take-home pay in Naples, FL and 24% in Austin, TX.
- Estimated state income tax on $100,000 is close: $0 a year in TX and $0 in FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by −2.7% moving from Austin, TX to Naples, FL ($109,428 → $106,437), while prices change by +5.2%. Net effect of the transfer: −7.6% in real buying power.
- Austin, TX: price level 98.1 (about average)
- Naples, FL: price level 103.2 (pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Austin, TX | Naples, FL | |
|---|---|---|
| Price level (U.S. = 100)2 | 98.1 | 103.2 |
| $100,000 is worth, in the other city2 | $105,235 in Naples | $95,025 in Austin |
| Typical 1-bedroom rent3 | $1,562/mo | $1,797/mo |
| Take-home on $100,00014,15,8 | $79,180 | $79,180 |
| State income tax on $100,000 (estimate)8 | $0 (TX) | $0 (FL) |
| Rent burden on $100,000 | 24% | 27% |
| Median pay, all jobs4 | $56,950 | $47,800 |
| Federal locality pay area7 | Austin-Round Rock-Georgetown, TX | Rest of U.S. |
Rent areas: Austin-Round Rock-San Marcos, TX MSA and Naples-Marco Island, FL MSA. Metro areas: Austin-Round Rock-San Marcos, TX and Naples-Marco Island, FL.
What costs more or less
| Price level (U.S. = 100) | Austin | Naples |
|---|---|---|
| Housing (rent) | 120.4 | 129.4 |
| Goods | 93.8 | 96.2 |
| Utilities | 82.0 | 87.8 |
| Other services | 96.2 | 98.9 |
| Overall | 98.1 | 103.2 |
Moving with the same $100,000 salary
Austin, TX → Naples, FL
Same pay buys less
Buying power −5.0%; rent takes 27% of take-home; state tax +$0/yr.
50 Fair offer
Naples, FL → Austin, TX
Same pay goes further
Buying power +5.2%; rent takes 24% of take-home; state tax +$0/yr.
85 Strong offer
On the GS pay scale?
Austin, TX is in the Austin-Round Rock-Georgetown, TX pay area; Naples, FL is in Rest of U.S.. The last column shows what a transfer from Austin, TX to Naples, FL at the same grade and step does to real buying power.
| Grade5,2 | Austin, TX | Naples, FL | Real change, Austin → Naples |
|---|---|---|---|
| GS-9 step 1 | $63,457 | $61,722 | −7.6% |
| GS-11 step 1 | $76,777 | $74,678 | −7.6% |
| GS-12 step 1 | $92,023 | $89,508 | −7.6% |
| GS-13 step 1 | $109,428 | $106,437 | −7.6% |
| GS-14 step 1 | $129,311 | $125,776 | −7.6% |
Pay for common jobs
| Median annual pay4 | Austin, TX | Naples, FL | Naples pay in Austin dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $61,270 | $60,470 | $57,462 (−6.2%) |
| Software Developers | $134,120 | $130,730 | $124,226 (−7.4%) |
| Accountants and Auditors | $83,120 | $84,570 | $80,363 (−3.3%) |
| Registered Nurses | $97,890 | $93,330 | $88,687 (−9.4%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.