City comparison
Gainesville, FL vs San Jose, CA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in San Jose, CA are 14.2% higher than in Gainesville, FL. Someone earning $100,000 in Gainesville, FL would need about $114,200 in San Jose, CA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $2,982 a month in San Jose, CA versus $1,246 in Gainesville, FL. On $100,000, that's 48% of take-home pay in San Jose, CA and 19% in Gainesville, FL.
- On $100,000, estimated state income tax is about $5,070 a year higher in San Jose, CA than in Gainesville, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +25.0% moving from Gainesville, FL to San Jose, CA ($106,437 → $133,060), while prices change by +14.2%. Net effect of the transfer: +9.5% in real buying power.
- Gainesville, FL: price level 96.7 (cheaper)
- San Jose, CA: price level 110.4 (much pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Gainesville, FL | San Jose, CA | |
|---|---|---|
| Price level (U.S. = 100)2 | 96.7 | 110.4 |
| $100,000 is worth, in the other city2 | $114,152 in San Jose | $87,602 in Gainesville |
| Typical 1-bedroom rent3 | $1,246/mo | $2,982/mo |
| Take-home on $100,00014,15,8 | $79,180 | $74,110 |
| State income tax on $100,000 (estimate)8 | $0 (FL) | $5,070 (CA) |
| Rent burden on $100,000 | 19% | 48% |
| Median pay, all jobs4 | $47,020 | $84,050 |
| Federal locality pay area7 | Rest of U.S. | San Jose-San Francisco-Oakland, CA |
Rent areas: Gainesville, FL HUD Metro FMR Area and San Jose-Sunnyvale-Santa Clara, CA HUD Metro FMR Area. Metro areas: Gainesville, FL and San Jose-Sunnyvale-Santa Clara, CA.
What costs more or less
| Price level (U.S. = 100) | Gainesville | San Jose |
|---|---|---|
| Housing (rent) | 93.0 | 211.9 |
| Goods | 96.2 | 105.2 |
| Utilities | 88.2 | 156.7 |
| Other services | 98.9 | 100.3 |
| Overall | 96.7 | 110.4 |
Moving with the same $100,000 salary
Gainesville, FL → San Jose, CA
Same pay buys less
Buying power −12.4%; rent takes 48% of take-home; state tax +$5,070/yr.
3 Weak offer
San Jose, CA → Gainesville, FL
Same pay goes further
Buying power +14.2%; rent takes 19% of take-home; state tax −$5,070/yr.
100 Strong offer
On the GS pay scale?
Gainesville, FL is in the Rest of U.S. pay area; San Jose, CA is in San Jose-San Francisco-Oakland, CA. The last column shows what a transfer from Gainesville, FL to San Jose, CA at the same grade and step does to real buying power.
| Grade5,2 | Gainesville, FL | San Jose, CA | Real change, Gainesville → San Jose |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $77,161 | +9.5% |
| GS-11 step 1 | $74,678 | $93,358 | +9.5% |
| GS-12 step 1 | $89,508 | $111,896 | +9.5% |
| GS-13 step 1 | $106,437 | $133,060 | +9.5% |
| GS-14 step 1 | $125,776 | $157,236 | +9.5% |
Pay for common jobs
| Median annual pay4 | Gainesville, FL | San Jose, CA | San Jose pay in Gainesville dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $56,430 | $102,860 | $90,108 (+59.7%) |
| Software Developers | $122,950 | $213,110 | $186,689 (+51.8%) |
| Accountants and Auditors | $75,820 | $121,700 | $106,612 (+40.6%) |
| Registered Nurses | $81,870 | $216,740 | $189,869 (+131.9%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.