City comparison
Lancaster, PA vs Naples, FL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Naples, FL are 5.0% higher than in Lancaster, PA. Someone earning $100,000 in Lancaster, PA would need about $105,000 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 $1,220 in Lancaster, PA. On $100,000, that's 27% of take-home pay in Naples, FL and 19% in Lancaster, PA.
- On $100,000, estimated state income tax is about $3,070 a year higher in Lancaster, PA than in Naples, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by −2.0% moving from Lancaster, PA to Naples, FL ($108,592 → $106,437), while prices change by +5.0%. Net effect of the transfer: −6.7% in real buying power.
- Lancaster, PA: price level 98.3 (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
| Lancaster, PA | Naples, FL | |
|---|---|---|
| Price level (U.S. = 100)2 | 98.3 | 103.2 |
| $100,000 is worth, in the other city2 | $105,031 in Naples | $95,210 in Lancaster |
| Typical 1-bedroom rent3 | $1,220/mo | $1,797/mo |
| Take-home on $100,00014,15,8 | $76,110 | $79,180 |
| State income tax on $100,000 (estimate)8 | $3,070 (PA) | $0 (FL) |
| Rent burden on $100,000 | 19% | 27% |
| Median pay, all jobs4 | $48,210 | $47,800 |
| Federal locality pay area7 | Harrisburg-Lebanon, PA | Rest of U.S. |
Rent areas: Lancaster, PA MSA and Naples-Marco Island, FL MSA. Metro areas: Lancaster, PA and Naples-Marco Island, FL.
What costs more or less
| Price level (U.S. = 100) | Lancaster | Naples |
|---|---|---|
| Housing (rent) | 93.8 | 129.4 |
| Goods | 100.7 | 96.2 |
| Utilities | 107.3 | 87.8 |
| Other services | 97.7 | 98.9 |
| Overall | 98.3 | 103.2 |
Moving with the same $100,000 salary
Lancaster, PA → Naples, FL
Same pay buys less
Buying power −4.8%; rent takes 27% of take-home; state tax −$3,070/yr.
50 Fair offer
Naples, FL → Lancaster, PA
Same pay goes further
Buying power +5.0%; rent takes 19% of take-home; state tax +$3,070/yr.
84 Strong offer
On the GS pay scale?
Lancaster, PA is in the Harrisburg-Lebanon, PA pay area; Naples, FL is in Rest of U.S.. The last column shows what a transfer from Lancaster, PA to Naples, FL at the same grade and step does to real buying power.
| Grade5,2 | Lancaster, PA | Naples, FL | Real change, Lancaster → Naples |
|---|---|---|---|
| GS-9 step 1 | $62,972 | $61,722 | −6.7% |
| GS-11 step 1 | $76,190 | $74,678 | −6.7% |
| GS-12 step 1 | $91,320 | $89,508 | −6.7% |
| GS-13 step 1 | $108,592 | $106,437 | −6.7% |
| GS-14 step 1 | $128,323 | $125,776 | −6.7% |
Pay for common jobs
| Median annual pay4 | Lancaster, PA | Naples, FL | Naples pay in Lancaster dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $78,360 | $60,470 | $57,574 (−26.5%) |
| Software Developers | $104,740 | $130,730 | $124,468 (+18.8%) |
| Accountants and Auditors | $76,110 | $84,570 | $80,519 (+5.8%) |
| Registered Nurses | $89,620 | $93,330 | $88,860 (−0.8%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.