City comparison
Hartford, CT vs Richmond, VA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Hartford, CT are 5.0% higher than in Richmond, VA. Someone earning $100,000 in Richmond, VA would need about $105,000 in Hartford, CT to live the same way.
- Typical 1-bedroom rents are close: $1,477 a month in Hartford, CT and $1,507 in Richmond, VA.
- On $100,000, estimated state income tax is about $1,011 a year higher in Richmond, VA than in Hartford, CT.
- For federal employees, locality pay changes a GS-13 step 1 salary by −7.4% moving from Hartford, CT to Richmond, VA ($120,094 → $111,183), while prices change by −4.8%. Net effect of the transfer: −2.8% in real buying power.
- Hartford, CT: price level 102.7 (pricier)
- Richmond, VA: price level 97.9 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Hartford, CT | Richmond, VA | |
|---|---|---|
| Price level (U.S. = 100)2 | 102.7 | 97.9 |
| $100,000 is worth, in the other city2 | $95,243 in Richmond | $104,995 in Hartford |
| Typical 1-bedroom rent3 | $1,477/mo | $1,507/mo |
| Take-home on $100,00014,15,8 | $75,255 | $74,244 |
| State income tax on $100,000 (estimate)8 | $3,925 (CT) | $4,936 (VA) |
| Rent burden on $100,000 | 24% | 24% |
| Median pay, all jobs4 | $59,940 | $51,460 |
| Federal locality pay area7 | Hartford-East Hartford, CT-MA | Richmond, VA |
Rent areas: Hartford-West Hartford-East Hartford, CT MSA and Richmond, VA HUD Metro FMR Area. Metro areas: Hartford-West Hartford-East Hartford, CT and Richmond, VA.
What costs more or less
| Price level (U.S. = 100) | Hartford | Richmond |
|---|---|---|
| Housing (rent) | 110.2 | 99.1 |
| Goods | 97.3 | 96.8 |
| Utilities | 144.9 | 89.2 |
| Other services | 102.7 | 98.6 |
| Overall | 102.7 | 97.9 |
Moving with the same $100,000 salary
Hartford, CT → Richmond, VA
Same pay goes further
Buying power +5.0%; rent takes 24% of take-home; state tax +$1,011/yr.
84 Strong offer
Richmond, VA → Hartford, CT
Same pay buys less
Buying power −4.8%; rent takes 24% of take-home; state tax −$1,011/yr.
54 Fair offer
On the GS pay scale?
Hartford, CT is in the Hartford-East Hartford, CT-MA pay area; Richmond, VA is in Richmond, VA. The last column shows what a transfer from Hartford, CT to Richmond, VA at the same grade and step does to real buying power.
| Grade5,2 | Hartford, CT | Richmond, VA | Real change, Hartford → Richmond |
|---|---|---|---|
| GS-9 step 1 | $69,642 | $64,475 | −2.8% |
| GS-11 step 1 | $84,260 | $78,009 | −2.8% |
| GS-12 step 1 | $100,992 | $93,499 | −2.8% |
| GS-13 step 1 | $120,094 | $111,183 | −2.8% |
| GS-14 step 1 | $141,915 | $131,385 | −2.8% |
Pay for common jobs
| Median annual pay4 | Hartford, CT | Richmond, VA | Richmond pay in Hartford dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $79,800 | $61,290 | $64,351 (−19.4%) |
| Software Developers | $132,520 | $132,120 | $138,719 (+4.7%) |
| Accountants and Auditors | $95,940 | $84,220 | $88,427 (−7.8%) |
| Registered Nurses | $101,470 | $93,580 | $98,254 (−3.2%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.