City comparison
Ogden, UT vs Palm Bay, FL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Overall prices in Ogden, UT (100.3) and Palm Bay, FL (100.0, U.S. average = 100) are within 1% of each other, so $100,000 in Ogden, UT goes as far as $99,700 in Palm Bay, FL.
- Rent is the bigger story: a typical 1-bedroom costs $1,478 a month in Palm Bay, FL versus $1,281 in Ogden, UT. On $100,000, that's 22% of take-home pay in Palm Bay, FL and 20% in Ogden, UT.
- On $100,000, estimated state income tax is about $3,534 a year higher in Ogden, UT than in Palm Bay, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +0.7% moving from Ogden, UT to Palm Bay, FL ($106,437 → $107,228), while prices change by −0.3%. Net effect of the transfer: +1.1% in real buying power.
- Ogden, UT: price level 100.3 (about average)
- Palm Bay, FL: price level 100.0 (about average)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Ogden, UT | Palm Bay, FL | |
|---|---|---|
| Price level (U.S. = 100)2 | 100.3 | 100.0 |
| $100,000 is worth, in the other city2 | $99,657 in Palm Bay | $100,344 in Ogden |
| Typical 1-bedroom rent3 | $1,281/mo | $1,478/mo |
| Take-home on $100,00014,15,8 | $75,646 | $79,180 |
| State income tax on $100,000 (estimate)8 | $3,534 (UT) | $0 (FL) |
| Rent burden on $100,000 | 20% | 22% |
| Median pay, all jobs4 | $48,900 | $49,030 |
| Federal locality pay area7 | Rest of U.S. | Palm Bay-Melbourne-Titusville, FL |
Rent areas: Ogden, UT MSA and Palm Bay-Melbourne-Titusville, FL MSA. Metro areas: Ogden, UT and Palm Bay-Melbourne-Titusville, FL.
What costs more or less
| Price level (U.S. = 100) | Ogden | Palm Bay |
|---|---|---|
| Housing (rent) | 117.9 | 111.7 |
| Goods | 96.4 | 96.2 |
| Utilities | 78.8 | 88.1 |
| Other services | 99.0 | 98.9 |
| Overall | 100.3 | 100.0 |
Moving with the same $100,000 salary
Ogden, UT → Palm Bay, FL
Roughly even
Buying power +0.3%; rent takes 22% of take-home; state tax −$3,534/yr.
70 Fair offer
Palm Bay, FL → Ogden, UT
Roughly even
Buying power −0.3%; rent takes 20% of take-home; state tax +$3,534/yr.
68 Fair offer
On the GS pay scale?
Ogden, UT is in the Rest of U.S. pay area; Palm Bay, FL is in Palm Bay-Melbourne-Titusville, FL. The last column shows what a transfer from Ogden, UT to Palm Bay, FL at the same grade and step does to real buying power.
| Grade5,2 | Ogden, UT | Palm Bay, FL | Real change, Ogden → Palm Bay |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $62,181 | +1.1% |
| GS-11 step 1 | $74,678 | $75,233 | +1.1% |
| GS-12 step 1 | $89,508 | $90,173 | +1.1% |
| GS-13 step 1 | $106,437 | $107,228 | +1.1% |
| GS-14 step 1 | $125,776 | $126,711 | +1.1% |
Pay for common jobs
| Median annual pay4 | Ogden, UT | Palm Bay, FL | Palm Bay pay in Ogden dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $63,910 | $62,510 | $62,725 (−1.9%) |
| Software Developers | $109,880 | $131,760 | $132,213 (+20.3%) |
| Accountants and Auditors | $82,010 | $75,860 | $76,121 (−7.2%) |
| Registered Nurses | $81,840 | $80,900 | $81,178 (−0.8%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.