City comparison
Baltimore, MD vs Gainesville, FL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Baltimore, MD are 8.0% higher than in Gainesville, FL. Someone earning $100,000 in Gainesville, FL would need about $108,000 in Baltimore, MD to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,511 a month in Baltimore, MD versus $1,246 in Gainesville, FL. On $100,000, that's 24% of take-home pay in Baltimore, MD and 19% in Gainesville, FL.
- On $100,000, estimated state income tax is about $4,386 a year higher in Baltimore, MD than in Gainesville, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by −12.6% moving from Baltimore, MD to Gainesville, FL ($121,785 → $106,437), while prices change by −7.4%. Net effect of the transfer: −5.6% in real buying power.
- Baltimore, MD: price level 104.5 (pricier)
- Gainesville, FL: price level 96.7 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Baltimore, MD | Gainesville, FL | |
|---|---|---|
| Price level (U.S. = 100)2 | 104.5 | 96.7 |
| $100,000 is worth, in the other city2 | $92,579 in Gainesville | $108,016 in Baltimore |
| Typical 1-bedroom rent3 | $1,511/mo | $1,246/mo |
| Take-home on $100,00014,15,8 | $74,794 | $79,180 |
| State income tax on $100,000 (estimate)8 | $4,386 (MD) | $0 (FL) |
| Rent burden on $100,000 | 24% | 19% |
| Median pay, all jobs4 | $59,070 | $47,020 |
| Federal locality pay area7 | Washington-Baltimore-Arlington, DC-MD-VA-WV-PA | Rest of U.S. |
Rent areas: Baltimore-Columbia-Towson, MD MSA and Gainesville, FL HUD Metro FMR Area. Metro areas: Baltimore-Columbia-Towson, MD and Gainesville, FL.
What costs more or less
| Price level (U.S. = 100) | Baltimore | Gainesville |
|---|---|---|
| Housing (rent) | 118.2 | 93.0 |
| Goods | 102.4 | 96.2 |
| Utilities | 110.2 | 88.2 |
| Other services | 101.5 | 98.9 |
| Overall | 104.5 | 96.7 |
Moving with the same $100,000 salary
Baltimore, MD → Gainesville, FL
Same pay goes further
Buying power +8.0%; rent takes 19% of take-home; state tax −$4,386/yr.
94 Strong offer
Gainesville, FL → Baltimore, MD
Same pay buys less
Buying power −7.4%; rent takes 24% of take-home; state tax +$4,386/yr.
46 Fair offer
On the GS pay scale?
Baltimore, MD is in the Washington-Baltimore-Arlington, DC-MD-VA-WV-PA pay area; Gainesville, FL is in Rest of U.S.. The last column shows what a transfer from Baltimore, MD to Gainesville, FL at the same grade and step does to real buying power.
| Grade5,2 | Baltimore, MD | Gainesville, FL | Real change, Baltimore → Gainesville |
|---|---|---|---|
| GS-9 step 1 | $70,623 | $61,722 | −5.6% |
| GS-11 step 1 | $85,447 | $74,678 | −5.6% |
| GS-12 step 1 | $102,415 | $89,508 | −5.6% |
| GS-13 step 1 | $121,785 | $106,437 | −5.6% |
| GS-14 step 1 | $143,913 | $125,776 | −5.6% |
Pay for common jobs
| Median annual pay4 | Baltimore, MD | Gainesville, FL | Gainesville pay in Baltimore dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $76,400 | $56,430 | $60,953 (−20.2%) |
| Software Developers | $138,900 | $122,950 | $132,806 (−4.4%) |
| Accountants and Auditors | $85,160 | $75,820 | $81,898 (−3.8%) |
| Registered Nurses | $99,550 | $81,870 | $88,433 (−11.2%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.