City comparison
Palm Bay, FL vs San Francisco, CA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in San Francisco, CA are 15.6% higher than in Palm Bay, FL. Someone earning $100,000 in Palm Bay, FL would need about $115,600 in San Francisco, CA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $2,977 a month in San Francisco, CA versus $1,478 in Palm Bay, FL. On $100,000, that's 48% of take-home pay in San Francisco, CA and 22% in Palm Bay, FL.
- On $100,000, estimated state income tax is about $5,070 a year higher in San Francisco, CA than in Palm Bay, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +24.1% moving from Palm Bay, FL to San Francisco, CA ($107,228 → $133,060), while prices change by +15.6%. Net effect of the transfer: +7.3% in real buying power.
- Palm Bay, FL: price level 100.0 (about average)
- San Francisco, CA: price level 115.6 (much pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Palm Bay, FL | San Francisco, CA | |
|---|---|---|
| Price level (U.S. = 100)2 | 100.0 | 115.6 |
| $100,000 is worth, in the other city2 | $115,607 in San Francisco | $86,500 in Palm Bay |
| Typical 1-bedroom rent3 | $1,478/mo | $2,977/mo |
| Take-home on $100,00014,15,8 | $79,180 | $74,110 |
| State income tax on $100,000 (estimate)8 | $0 (FL) | $5,070 (CA) |
| Rent burden on $100,000 | 22% | 48% |
| Median pay, all jobs4 | $49,030 | $74,260 |
| Federal locality pay area7 | Palm Bay-Melbourne-Titusville, FL | San Jose-San Francisco-Oakland, CA |
Rent areas: Palm Bay-Melbourne-Titusville, FL MSA and San Francisco, CA HUD Metro FMR Area. Metro areas: Palm Bay-Melbourne-Titusville, FL and San Francisco-Oakland-Fremont, CA.
What costs more or less
| Price level (U.S. = 100) | Palm Bay | San Francisco |
|---|---|---|
| Housing (rent) | 111.7 | 194.7 |
| Goods | 96.2 | 108.5 |
| Utilities | 88.1 | 172.6 |
| Other services | 98.9 | 106.2 |
| Overall | 100.0 | 115.6 |
Moving with the same $100,000 salary
Palm Bay, FL → San Francisco, CA
Same pay buys less
Buying power −13.5%; rent takes 48% of take-home; state tax +$5,070/yr.
3 Weak offer
San Francisco, CA → Palm Bay, FL
Same pay goes further
Buying power +15.6%; rent takes 22% of take-home; state tax −$5,070/yr.
100 Strong offer
On the GS pay scale?
Palm Bay, FL is in the Palm Bay-Melbourne-Titusville, FL pay area; San Francisco, CA is in San Jose-San Francisco-Oakland, CA. The last column shows what a transfer from Palm Bay, FL to San Francisco, CA at the same grade and step does to real buying power.
| Grade5,2 | Palm Bay, FL | San Francisco, CA | Real change, Palm Bay → San Francisco |
|---|---|---|---|
| GS-9 step 1 | $62,181 | $77,161 | +7.3% |
| GS-11 step 1 | $75,233 | $93,358 | +7.3% |
| GS-12 step 1 | $90,173 | $111,896 | +7.3% |
| GS-13 step 1 | $107,228 | $133,060 | +7.3% |
| GS-14 step 1 | $126,711 | $157,236 | +7.3% |
Pay for common jobs
| Median annual pay4 | Palm Bay, FL | San Francisco, CA | San Francisco pay in Palm Bay dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $62,510 | $101,860 | $88,109 (+41.0%) |
| Software Developers | $131,760 | $186,640 | $161,443 (+22.5%) |
| Accountants and Auditors | $75,860 | $110,730 | $95,781 (+26.3%) |
| Registered Nurses | $80,900 | $186,610 | $161,417 (+99.5%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.