City comparison
Naples, FL vs Springfield, MA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Naples, FL are 7.4% higher than in Springfield, MA. Someone earning $100,000 in Springfield, MA would need about $107,400 in Naples, FL to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,797 a month in Naples, FL versus $1,382 in Springfield, MA. On $100,000, that's 27% of take-home pay in Naples, 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 Naples, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +12.8% moving from Naples, FL to Springfield, MA ($106,437 → $120,094), while prices change by −6.9%. Net effect of the transfer: +21.2% in real buying power.
- Naples, FL: price level 103.2 (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
| Naples, FL | Springfield, MA | |
|---|---|---|
| Price level (U.S. = 100)2 | 103.2 | 96.1 |
| $100,000 is worth, in the other city2 | $93,082 in Springfield | $107,432 in Naples |
| Typical 1-bedroom rent3 | $1,797/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 | 27% | 22% |
| Median pay, all jobs4 | $47,800 | $51,930 |
| Federal locality pay area7 | Rest of U.S. | Hartford-East Hartford, CT-MA |
Rent areas: Naples-Marco Island, FL MSA and Springfield, MA MSA. Metro areas: Naples-Marco Island, FL and Springfield, MA.
What costs more or less
| Price level (U.S. = 100) | Naples | Springfield |
|---|---|---|
| Housing (rent) | 129.4 | 75.8 |
| Goods | 96.2 | 97.0 |
| Utilities | 87.8 | 155.0 |
| Other services | 98.9 | 101.2 |
| Overall | 103.2 | 96.1 |
Moving with the same $100,000 salary
Naples, FL → Springfield, MA
Same pay goes further
Buying power +7.4%; rent takes 22% of take-home; state tax +$4,780/yr.
92 Strong offer
Springfield, MA → Naples, FL
Same pay buys less
Buying power −6.9%; rent takes 27% of take-home; state tax −$4,780/yr.
44 Weak offer
On the GS pay scale?
Naples, FL is in the Rest of U.S. pay area; Springfield, MA is in Hartford-East Hartford, CT-MA. The last column shows what a transfer from Naples, FL to Springfield, MA at the same grade and step does to real buying power.
| Grade5,2 | Naples, FL | Springfield, MA | Real change, Naples → Springfield |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $69,642 | +21.2% |
| GS-11 step 1 | $74,678 | $84,260 | +21.2% |
| GS-12 step 1 | $89,508 | $100,992 | +21.2% |
| GS-13 step 1 | $106,437 | $120,094 | +21.2% |
| GS-14 step 1 | $125,776 | $141,915 | +21.2% |
Pay for common jobs
| Median annual pay4 | Naples, FL | Springfield, MA | Springfield pay in Naples dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $60,470 | $79,640 | $85,559 (+41.5%) |
| Software Developers | $130,730 | $127,740 | $137,233 (+5.0%) |
| Accountants and Auditors | $84,570 | $92,010 | $98,848 (+16.9%) |
| Registered Nurses | $93,330 | $98,410 | $105,724 (+13.3%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.