City comparison
McAllen, TX vs Pensacola, FL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Pensacola, FL are 13.8% higher than in McAllen, TX. Someone earning $100,000 in McAllen, TX would need about $113,800 in Pensacola, FL to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,257 a month in Pensacola, FL versus $847 in McAllen, TX. On $100,000, that's 19% of take-home pay in Pensacola, FL and 13% in McAllen, TX.
- Estimated state income tax on $100,000 is close: $0 a year in TX and $0 in FL.
- Both cities are in the same federal pay area (Rest of U.S.), so a GS-13 step 1 earns $106,437 in either. A transfer from McAllen, TX to Pensacola, FL changes real buying power by −12.1%, purely from prices.
- McAllen, TX: price level 85.9 (much cheaper)
- Pensacola, FL: price level 97.7 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| McAllen, TX | Pensacola, FL | |
|---|---|---|
| Price level (U.S. = 100)2 | 85.9 | 97.7 |
| $100,000 is worth, in the other city2 | $113,763 in Pensacola | $87,902 in McAllen |
| Typical 1-bedroom rent3 | $847/mo | $1,257/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 | 13% | 19% |
| Median pay, all jobs4 | $35,830 | $46,240 |
| Federal locality pay area7 | Rest of U.S. | Rest of U.S. |
Rent areas: McAllen-Edinburg-Mission, TX MSA and Pensacola-Ferry Pass-Brent, FL MSA. Metro areas: McAllen-Edinburg-Mission, TX and Pensacola-Ferry Pass-Brent, FL.
What costs more or less
| Price level (U.S. = 100) | McAllen | Pensacola |
|---|---|---|
| Housing (rent) | 55.9 | 98.8 |
| Goods | 93.8 | 96.2 |
| Utilities | 81.2 | 88.5 |
| Other services | 96.2 | 98.9 |
| Overall | 85.9 | 97.7 |
Moving with the same $100,000 salary
McAllen, TX → Pensacola, FL
Same pay buys less
Buying power −12.1%; rent takes 19% of take-home; state tax +$0/yr.
38 Weak offer
Pensacola, FL → McAllen, TX
Same pay goes further
Buying power +13.8%; rent takes 13% of take-home; state tax +$0/yr.
100 Strong offer
On the GS pay scale?
Both metros are in the Rest of U.S. locality pay area, so GS salaries are identical. The last column shows what a transfer from McAllen, TX to Pensacola, FL at the same grade and step does to real buying power.
| Grade5,2 | McAllen, TX | Pensacola, FL | Real change, McAllen → Pensacola |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $61,722 | −12.1% |
| GS-11 step 1 | $74,678 | $74,678 | −12.1% |
| GS-12 step 1 | $89,508 | $89,508 | −12.1% |
| GS-13 step 1 | $106,437 | $106,437 | −12.1% |
| GS-14 step 1 | $125,776 | $125,776 | −12.1% |
Pay for common jobs
| Median annual pay4 | McAllen, TX | Pensacola, FL | Pensacola pay in McAllen dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $63,110 | $50,360 | $44,267 (−29.9%) |
| Software Developers | $116,120 | $108,430 | $95,312 (−17.9%) |
| Accountants and Auditors | $64,470 | $76,410 | $67,166 (+4.2%) |
| Registered Nurses | $80,540 | $77,890 | $68,467 (−15.0%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.