City comparison
Naples, FL vs Phoenix, AZ
What a paycheck is really worth in each city: prices, rent, state taxes and federal GS pay.
Key findings
- Overall prices in Naples, FL (103.2) and Phoenix, AZ (103.3, U.S. average = 100) are within 1% of each other, so $100,000 in Naples, FL goes as far as $100,100 in Phoenix, AZ.
- Rent is the bigger story: a typical 1-bedroom costs $1,797 a month in Naples, FL versus $1,583 in Phoenix, AZ. On $100,000, that's 27% of take-home pay in Naples, FL and 25% in Phoenix, AZ.
- On $100,000, estimated state income tax is about $2,291 a year higher in Phoenix, AZ than in Naples, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +4.6% moving from Naples, FL to Phoenix, AZ ($106,437 → $111,338), while prices change by +0.1%. Net effect of the transfer: +4.5% in real buying power.
- Naples, FL: price level 103.2 (pricier)
- Phoenix, AZ: price level 103.3 (pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Naples, FL | Phoenix, AZ | |
|---|---|---|
| Price level (U.S. = 100)2 | 103.2 | 103.3 |
| $100,000 is worth, in the other city2 | $100,112 in Phoenix | $99,888 in Naples |
| Typical 1-bedroom rent3 | $1,797/mo | $1,583/mo |
| Take-home on $100,00014,15,8 | $79,180 | $76,889 |
| State income tax on $100,000 (estimate)8 | $0 (FL) | $2,291 (AZ) |
| Rent burden on $100,000 | 27% | 25% |
| Median pay, all jobs4 | $47,800 | $51,380 |
| Federal locality pay area7 | Rest of U.S. | Phoenix-Mesa, AZ |
Rent areas: Naples-Marco Island, FL MSA and Phoenix-Mesa-Chandler, AZ MSA. Metro areas: Naples-Marco Island, FL and Phoenix-Mesa-Chandler, AZ.
What costs more or less
| Price level (U.S. = 100) | Naples | Phoenix |
|---|---|---|
| Housing (rent) | 129.4 | 121.2 |
| Goods | 96.2 | 95.0 |
| Utilities | 87.8 | 93.3 |
| Other services | 98.9 | 104.0 |
| Overall | 103.2 | 103.3 |
Moving with the same $100,000 salary
Naples, FL → Phoenix, AZ
Roughly even
Buying power −0.1%; rent takes 25% of take-home; state tax +$2,291/yr.
68 Fair offer
Phoenix, AZ → Naples, FL
Roughly even
Buying power +0.1%; rent takes 27% of take-home; state tax −$2,291/yr.
66 Fair offer
Federal employees: GS pay
Naples, FL is in the Rest of U.S. pay area; Phoenix, AZ is in Phoenix-Mesa, AZ. The last column shows what a transfer from Naples, FL to Phoenix, AZ at the same grade and step does to real buying power.
| Grade5,2 | Naples, FL | Phoenix, AZ | Real change, Naples → Phoenix |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $64,564 | +4.5% |
| GS-11 step 1 | $74,678 | $78,117 | +4.5% |
| GS-12 step 1 | $89,508 | $93,629 | +4.5% |
| GS-13 step 1 | $106,437 | $111,338 | +4.5% |
| GS-14 step 1 | $125,776 | $131,568 | +4.5% |
Pay for common jobs
| Median annual pay4 | Naples, FL | Phoenix, AZ | Phoenix pay in Naples dollars |
|---|---|---|---|
| Information Security Analysts | $99,000 | $130,360 | $130,214 (+31.5%) |
| Software Developers | $130,730 | $131,750 | $131,602 (+0.7%) |
| Accountants and Auditors | $84,570 | $80,820 | $80,729 (−4.5%) |
| Registered Nurses | $93,330 | $100,830 | $100,717 (+7.9%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.