City comparison
Ocala, FL vs Springfield, MA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Overall prices in Ocala, FL (95.2) and Springfield, MA (96.1, U.S. average = 100) are within 1% of each other, so $100,000 in Ocala, FL goes as far as $100,900 in Springfield, MA.
- Rent is the bigger story: a typical 1-bedroom costs $1,382 a month in Springfield, MA versus $1,172 in Ocala, FL. On $100,000, that's 22% of take-home pay in Springfield, MA and 18% in Ocala, FL.
- On $100,000, estimated state income tax is about $4,780 a year higher in Springfield, MA than in Ocala, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +12.8% moving from Ocala, FL to Springfield, MA ($106,437 → $120,094), while prices change by +0.9%. Net effect of the transfer: +11.9% in real buying power.
- Ocala, FL: price level 95.2 (cheaper)
- 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
| Ocala, FL | Springfield, MA | |
|---|---|---|
| Price level (U.S. = 100)2 | 95.2 | 96.1 |
| $100,000 is worth, in the other city2 | $100,868 in Springfield | $99,139 in Ocala |
| Typical 1-bedroom rent3 | $1,172/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 | 18% | 22% |
| Median pay, all jobs4 | $43,990 | $51,930 |
| Federal locality pay area7 | Rest of U.S. | Hartford-East Hartford, CT-MA |
Rent areas: Ocala, FL MSA and Springfield, MA MSA. Metro areas: Ocala, FL and Springfield, MA.
What costs more or less
| Price level (U.S. = 100) | Ocala | Springfield |
|---|---|---|
| Housing (rent) | 86.2 | 75.8 |
| Goods | 96.2 | 97.0 |
| Utilities | 87.1 | 155.0 |
| Other services | 98.9 | 101.2 |
| Overall | 95.2 | 96.1 |
Moving with the same $100,000 salary
Ocala, FL → Springfield, MA
Roughly even
Buying power −0.9%; rent takes 22% of take-home; state tax +$4,780/yr.
66 Fair offer
Springfield, MA → Ocala, FL
Roughly even
Buying power +0.9%; rent takes 18% of take-home; state tax −$4,780/yr.
71 Strong offer
On the GS pay scale?
Ocala, 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 Ocala, FL to Springfield, MA at the same grade and step does to real buying power.
| Grade5,2 | Ocala, FL | Springfield, MA | Real change, Ocala → Springfield |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $69,642 | +11.9% |
| GS-11 step 1 | $74,678 | $84,260 | +11.9% |
| GS-12 step 1 | $89,508 | $100,992 | +11.9% |
| GS-13 step 1 | $106,437 | $120,094 | +11.9% |
| GS-14 step 1 | $125,776 | $141,915 | +11.9% |
Pay for common jobs
| Median annual pay4 | Ocala, FL | Springfield, MA | Springfield pay in Ocala dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $57,540 | $79,640 | $78,954 (+37.2%) |
| Software Developers | $112,780 | $127,740 | $126,640 (+12.3%) |
| Accountants and Auditors | $74,370 | $92,010 | $91,218 (+22.7%) |
| Registered Nurses | $79,230 | $98,410 | $97,563 (+23.1%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.