City comparison
Miami, FL vs Naples, FL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Miami, FL are 10.6% higher than in Naples, FL. Someone earning $100,000 in Naples, FL would need about $110,600 in Miami, FL to live the same way.
- Rent differs too: a typical 1-bedroom costs $1,995 a month in Miami, FL versus $1,797 in Naples, FL. On $100,000, that's 30% of take-home pay in Miami, FL and 27% in Naples, FL.
- Both are in FL, so estimated state income tax is the same: $0 a year on $100,000.
- For federal employees, locality pay changes a GS-13 step 1 salary by −6.1% moving from Miami, FL to Naples, FL ($113,356 → $106,437), while prices change by −9.6%. Net effect of the transfer: +3.9% in real buying power.
- Miami, FL: price level 114.2 (much pricier)
- 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
| Miami, FL | Naples, FL | |
|---|---|---|
| Price level (U.S. = 100)2 | 114.2 | 103.2 |
| $100,000 is worth, in the other city2 | $90,403 in Naples | $110,615 in Miami |
| Typical 1-bedroom rent3 | $1,995/mo | $1,797/mo |
| Take-home on $100,00014,15,8 | $79,180 | $79,180 |
| State income tax on $100,000 (estimate)8 | $0 (FL) | $0 (FL) |
| Rent burden on $100,000 | 30% | 27% |
| Median pay, all jobs4 | $48,640 | $47,800 |
| Federal locality pay area7 | Miami-Port St. Lucie-Fort Lauderdale, FL | Rest of U.S. |
Rent areas: Miami-Miami Beach-Kendall, FL HUD Metro FMR Area and Naples-Marco Island, FL MSA. Metro areas: Miami-Fort Lauderdale-West Palm Beach, FL and Naples-Marco Island, FL.
What costs more or less
| Price level (U.S. = 100) | Miami | Naples |
|---|---|---|
| Housing (rent) | 155.6 | 129.4 |
| Goods | 103.6 | 96.2 |
| Utilities | 97.2 | 87.8 |
| Other services | 109.1 | 98.9 |
| Overall | 114.2 | 103.2 |
Moving with the same $100,000 salary
Miami, FL → Naples, FL
Same pay goes further
Buying power +10.6%; rent takes 27% of take-home; state tax +$0/yr.
97 Strong offer
Naples, FL → Miami, FL
Same pay buys less
Buying power −9.6%; rent takes 30% of take-home; state tax +$0/yr.
31 Weak offer
On the GS pay scale?
Miami, FL is in the Miami-Port St. Lucie-Fort Lauderdale, FL pay area; Naples, FL is in Rest of U.S.. The last column shows what a transfer from Miami, FL to Naples, FL at the same grade and step does to real buying power.
| Grade5,2 | Miami, FL | Naples, FL | Real change, Miami → Naples |
|---|---|---|---|
| GS-9 step 1 | $65,735 | $61,722 | +3.9% |
| GS-11 step 1 | $79,533 | $74,678 | +3.9% |
| GS-12 step 1 | $95,326 | $89,508 | +3.9% |
| GS-13 step 1 | $113,356 | $106,437 | +3.9% |
| GS-14 step 1 | $133,953 | $125,776 | +3.9% |
Pay for common jobs
| Median annual pay4 | Miami, FL | Naples, FL | Naples pay in Miami dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $58,300 | $60,470 | $66,889 (+14.7%) |
| Software Developers | $132,650 | $130,730 | $144,607 (+9.0%) |
| Accountants and Auditors | $80,920 | $84,570 | $93,547 (+15.6%) |
| Registered Nurses | $91,380 | $93,330 | $103,237 (+13.0%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.