City comparison
Memphis, TN vs Riverside, CA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Riverside, CA are 15.5% higher than in Memphis, TN. Someone earning $100,000 in Memphis, TN would need about $115,500 in Riverside, CA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,777 a month in Riverside, CA versus $1,154 in Memphis, TN. On $100,000, that's 29% of take-home pay in Riverside, CA and 17% in Memphis, TN.
- On $100,000, estimated state income tax is about $5,070 a year higher in Riverside, CA than in Memphis, TN.
- For federal employees, locality pay changes a GS-13 step 1 salary by +16.6% moving from Memphis, TN to Riverside, CA ($106,437 → $124,085), while prices change by +15.5%. Net effect of the transfer: +1.0% in real buying power.
- Memphis, TN: price level 92.2 (cheaper)
- Riverside, CA: price level 106.4 (pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Memphis, TN | Riverside, CA | |
|---|---|---|
| Price level (U.S. = 100)2 | 92.2 | 106.4 |
| $100,000 is worth, in the other city2 | $115,473 in Riverside | $86,600 in Memphis |
| Typical 1-bedroom rent3 | $1,154/mo | $1,777/mo |
| Take-home on $100,00014,15,8 | $79,180 | $74,110 |
| State income tax on $100,000 (estimate)8 | $0 (TN) | $5,070 (CA) |
| Rent burden on $100,000 | 17% | 29% |
| Median pay, all jobs4 | $46,890 | $48,400 |
| Federal locality pay area7 | Rest of U.S. | Los Angeles-Long Beach, CA |
Rent areas: Memphis, TN-MS-AR HUD Metro FMR Area and Riverside-San Bernardino-Ontario, CA MSA. Metro areas: Memphis, TN-MS-AR and Riverside-San Bernardino-Ontario, CA.
What costs more or less
| Price level (U.S. = 100) | Memphis | Riverside |
|---|---|---|
| Housing (rent) | 79.8 | 129.3 |
| Goods | 96.2 | 101.4 |
| Utilities | 74.1 | 148.6 |
| Other services | 95.4 | 101.3 |
| Overall | 92.2 | 106.4 |
Moving with the same $100,000 salary
Memphis, TN → Riverside, CA
Same pay buys less
Buying power −13.4%; rent takes 29% of take-home; state tax +$5,070/yr.
32 Weak offer
Riverside, CA → Memphis, TN
Same pay goes further
Buying power +15.5%; rent takes 17% of take-home; state tax −$5,070/yr.
100 Strong offer
On the GS pay scale?
Memphis, TN is in the Rest of U.S. pay area; Riverside, CA is in Los Angeles-Long Beach, CA. The last column shows what a transfer from Memphis, TN to Riverside, CA at the same grade and step does to real buying power.
| Grade5,2 | Memphis, TN | Riverside, CA | Real change, Memphis → Riverside |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $71,957 | +1.0% |
| GS-11 step 1 | $74,678 | $87,061 | +1.0% |
| GS-12 step 1 | $89,508 | $104,349 | +1.0% |
| GS-13 step 1 | $106,437 | $124,085 | +1.0% |
| GS-14 step 1 | $125,776 | $146,632 | +1.0% |
Pay for common jobs
| Median annual pay4 | Memphis, TN | Riverside, CA | Riverside pay in Memphis dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $61,510 | $98,520 | $85,319 (+38.7%) |
| Software Developers | $125,580 | $133,270 | $115,412 (−8.1%) |
| Accountants and Auditors | $76,960 | $83,920 | $72,675 (−5.6%) |
| Registered Nurses | $81,500 | $133,940 | $115,992 (+42.3%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.