City comparison
Miami, FL vs Springfield, MA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Miami, FL are 18.8% higher than in Springfield, MA. Someone earning $100,000 in Springfield, MA would need about $118,800 in Miami, FL to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,995 a month in Miami, FL versus $1,382 in Springfield, MA. On $100,000, that's 30% of take-home pay in Miami, FL and 22% in Springfield, MA.
- On $100,000, estimated state income tax is about $4,780 a year higher in Springfield, MA than in Miami, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +5.9% moving from Miami, FL to Springfield, MA ($113,356 → $120,094), while prices change by −15.9%. Net effect of the transfer: +25.9% in real buying power.
- Miami, FL: price level 114.2 (much pricier)
- Springfield, MA: price level 96.1 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Miami, FL | Springfield, MA | |
|---|---|---|
| Price level (U.S. = 100)2 | 114.2 | 96.1 |
| $100,000 is worth, in the other city2 | $84,150 in Springfield | $118,836 in Miami |
| Typical 1-bedroom rent3 | $1,995/mo | $1,382/mo |
| Take-home on $100,00014,15,8 | $79,180 | $74,400 |
| State income tax on $100,000 (estimate)8 | $0 (FL) | $4,780 (MA) |
| Rent burden on $100,000 | 30% | 22% |
| Median pay, all jobs4 | $48,640 | $51,930 |
| Federal locality pay area7 | Miami-Port St. Lucie-Fort Lauderdale, FL | Hartford-East Hartford, CT-MA |
Rent areas: Miami-Miami Beach-Kendall, FL HUD Metro FMR Area and Springfield, MA MSA. Metro areas: Miami-Fort Lauderdale-West Palm Beach, FL and Springfield, MA.
What costs more or less
| Price level (U.S. = 100) | Miami | Springfield |
|---|---|---|
| Housing (rent) | 155.6 | 75.8 |
| Goods | 103.6 | 97.0 |
| Utilities | 97.2 | 155.0 |
| Other services | 109.1 | 101.2 |
| Overall | 114.2 | 96.1 |
Moving with the same $100,000 salary
Miami, FL → Springfield, MA
Same pay goes further
Buying power +18.8%; rent takes 22% of take-home; state tax +$4,780/yr.
100 Strong offer
Springfield, MA → Miami, FL
Same pay buys less
Buying power −15.9%; rent takes 30% of take-home; state tax −$4,780/yr.
30 Weak offer
On the GS pay scale?
Miami, FL is in the Miami-Port St. Lucie-Fort Lauderdale, FL pay area; Springfield, MA is in Hartford-East Hartford, CT-MA. The last column shows what a transfer from Miami, FL to Springfield, MA at the same grade and step does to real buying power.
| Grade5,2 | Miami, FL | Springfield, MA | Real change, Miami → Springfield |
|---|---|---|---|
| GS-9 step 1 | $65,735 | $69,642 | +25.9% |
| GS-11 step 1 | $79,533 | $84,260 | +25.9% |
| GS-12 step 1 | $95,326 | $100,992 | +25.9% |
| GS-13 step 1 | $113,356 | $120,094 | +25.9% |
| GS-14 step 1 | $133,953 | $141,915 | +25.9% |
Pay for common jobs
| Median annual pay4 | Miami, FL | Springfield, MA | Springfield pay in Miami dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $58,300 | $79,640 | $94,641 (+62.3%) |
| Software Developers | $132,650 | $127,740 | $151,801 (+14.4%) |
| Accountants and Auditors | $80,920 | $92,010 | $109,341 (+35.1%) |
| Registered Nurses | $91,380 | $98,410 | $116,946 (+28.0%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.