City comparison
Ocala, FL vs Utica, NY
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Ocala, FL are 2.8% higher than in Utica, NY. Someone earning $100,000 in Utica, NY would need about $102,800 in Ocala, FL to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,172 a month in Ocala, FL versus $926 in Utica, NY. On $100,000, that's 18% of take-home pay in Ocala, FL and 15% in Utica, NY.
- On $100,000, estimated state income tax is about $4,860 a year higher in Utica, NY than in Ocala, FL.
- Both cities are in the same federal pay area (Rest of U.S.), so a GS-13 step 1 earns $106,437 in either. A transfer from Ocala, FL to Utica, NY changes real buying power by +2.8%, purely from prices.
- Ocala, FL: price level 95.2 (cheaper)
- Utica, NY: price level 92.7 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Ocala, FL | Utica, NY | |
|---|---|---|
| Price level (U.S. = 100)2 | 95.2 | 92.7 |
| $100,000 is worth, in the other city2 | $97,316 in Utica | $102,758 in Ocala |
| Typical 1-bedroom rent3 | $1,172/mo | $926/mo |
| Take-home on $100,00014,15,8 | $79,180 | $74,320 |
| State income tax on $100,000 (estimate)8 | $0 (FL) | $4,860 (NY) |
| Rent burden on $100,000 | 18% | 15% |
| Median pay, all jobs4 | $43,990 | $48,970 |
| Federal locality pay area7 | Rest of U.S. | Rest of U.S. |
Rent areas: Ocala, FL MSA and Utica-Rome, NY MSA. Metro areas: Ocala, FL and Utica-Rome, NY.
What costs more or less
| Price level (U.S. = 100) | Ocala | Utica |
|---|---|---|
| Housing (rent) | 86.2 | 66.1 |
| Goods | 96.2 | 99.7 |
| Utilities | 87.1 | 131.9 |
| Other services | 98.9 | 97.8 |
| Overall | 95.2 | 92.7 |
Moving with the same $100,000 salary
Ocala, FL → Utica, NY
Same pay goes further
Buying power +2.8%; rent takes 15% of take-home; state tax +$4,860/yr.
77 Strong offer
Utica, NY → Ocala, FL
Same pay buys less
Buying power −2.7%; rent takes 18% of take-home; state tax −$4,860/yr.
60 Fair offer
On the GS pay scale?
Both metros are in the Rest of U.S. locality pay area, so GS salaries are identical. The last column shows what a transfer from Ocala, FL to Utica, NY at the same grade and step does to real buying power.
| Grade5,2 | Ocala, FL | Utica, NY | Real change, Ocala → Utica |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $61,722 | +2.8% |
| GS-11 step 1 | $74,678 | $74,678 | +2.8% |
| GS-12 step 1 | $89,508 | $89,508 | +2.8% |
| GS-13 step 1 | $106,437 | $106,437 | +2.8% |
| GS-14 step 1 | $125,776 | $125,776 | +2.8% |
Pay for common jobs
| Median annual pay4 | Ocala, FL | Utica, NY | Utica pay in Ocala dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $57,540 | $77,010 | $79,134 (+37.5%) |
| Software Developers | $112,780 | $113,390 | $116,517 (+3.3%) |
| Accountants and Auditors | $74,370 | $79,830 | $82,032 (+10.3%) |
| Registered Nurses | $79,230 | $94,300 | $96,901 (+22.3%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.