City comparison

Provo, UT vs Waterbury, CT

What a paycheck is really worth in each city: prices, rent and state taxes.

Key findings

  • Prices in Waterbury, CT are 1.6% higher than in Provo, UT. Someone earning $100,000 in Provo, UT would need about $101,600 in Waterbury, CT to live the same way.
  • Rent is the bigger story: a typical 1-bedroom costs $1,445 a month in Waterbury, CT versus $1,265 in Provo, UT. On $100,000, that's 23% of take-home pay in Waterbury, CT and 20% in Provo, UT.
  • On $100,000, estimated state income tax is about $391 a year higher in Waterbury, CT than in Provo, UT.
  • For federal employees, locality pay changes a GS-13 step 1 salary by +17.8% moving from Provo, UT to Waterbury, CT ($106,437 → $125,431), while prices change by +1.6%. Net effect of the transfer: +16.0% in real buying power.
ProvoWaterbury
Price level (U.S. = 100):Under 9292–9898–102102–108Over 108
  • Provo, UT: price level 98.2 (about average)
  • Waterbury, CT: price level 99.8 (about average)

Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.

Side by side

Provo, UTWaterbury, CT
Price level (U.S. = 100)298.299.8
$100,000 is worth, in the other city2$101,574 in Waterbury$98,451 in Provo
Typical 1-bedroom rent3$1,265/mo$1,445/mo
Take-home on $100,00014,15,8$75,646$75,255
State income tax on $100,000 (estimate)8$3,534 (UT)$3,925 (CT)
Rent burden on $100,00020%23%
Median pay, all jobs4$48,010$51,440
Federal locality pay area7Rest of U.S.New York-Newark, NY-NJ-CT-PA

Rent areas: Provo-Orem-Lehi, UT MSA and Waterbury-Shelton, CT MSA. Metro areas: Provo-Orem-Lehi, UT and Waterbury-Shelton, CT.

What costs more or less

Provo, UTWaterbury, CT
Price level (U.S. = 100)ProvoWaterbury
Housing (rent)104.189.1
Goods96.497.3
Utilities78.6147.6
Other services99.0102.7
Overall98.299.8
BEA Regional Price Parities2. Housing covers rents.

Moving with the same $100,000 salary

Provo, UT → Waterbury, CT

Roughly even

Buying power −1.5%; rent takes 23% of take-home; state tax +$391/yr.

64 Fair offer

Waterbury, CT → Provo, UT

Roughly even

Buying power +1.6%; rent takes 20% of take-home; state tax −$391/yr.

74 Strong offer

On the GS pay scale?

Provo, UT is in the Rest of U.S. pay area; Waterbury, CT is in New York-Newark, NY-NJ-CT-PA. The last column shows what a transfer from Provo, UT to Waterbury, CT at the same grade and step does to real buying power.

Grade5,2Provo, UTWaterbury, CTReal change, Provo → Waterbury
GS-9 step 1$61,722$72,737+16.0%
GS-11 step 1$74,678$88,005+16.0%
GS-12 step 1$89,508$105,481+16.0%
GS-13 step 1$106,437$125,431+16.0%
GS-14 step 1$125,776$148,222+16.0%

Pay for common jobs

Median annual pay4Provo, UTWaterbury, CTWaterbury pay in Provo dollars
Elementary School Teachers, Except Special Education$62,930$79,640$78,406 (+24.6%)
Software Developers$131,210$131,290$129,256 (−1.5%)
Accountants and Auditors$75,700$93,010$91,569 (+21.0%)
Registered Nurses$81,780$101,690$100,114 (+22.4%)

"Not published" means BLS doesn't release an estimate for that job in that metro.

Check your own offer

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Taxes are estimates for a single filer taking the standard deduction; city and county income taxes are not included. See the methodology.

Notes & Sources

  1. U.S. Census Bureau, Metropolitan Statistical Area population estimates (Vintage 2025) (2025). Retrieved 2026-09-29.
  2. U.S. Bureau of Economic Analysis, Regional Price Parities by MSA (MARPP), all items (2024). Retrieved 2026-09-29.
  3. U.S. Department of Housing and Urban Development, Fair Market Rents, 1-bedroom (2026). Retrieved 2026-09-29.
  4. U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025, metropolitan areas (2025). Retrieved 2026-09-29.
  5. U.S. Office of Personnel Management, General Schedule (GS) pay rates with locality pay, 2026 (2026). Retrieved 2026-09-29.
  6. U.S. Office of Personnel Management, Locality codes used in the 2026 GS pay spreadsheet (2026). Retrieved 2026-09-29.
  7. U.S. Office of Personnel Management, 2026 Locality Pay Area Definitions (counties in each pay area) (2026). Retrieved 2026-09-29.
  8. Tax Foundation, State Individual Income Tax Rates and Brackets, 2026 (2026). Retrieved 2026-09-29.
  9. U.S. Census Bureau, Cartographic boundary file: states, 1:20,000,000 (2024) (2024). Retrieved 2026-09-29.
  10. U.S. Census Bureau, Gazetteer file: core based statistical areas (2025) (2025). Retrieved 2026-09-29.
  11. U.S. Census Bureau, American Community Survey 5-year estimates, 2020-2024, table C24010 (occupation of employed residents) by ZIP code area (2024). Retrieved 2026-09-29.
  12. U.S. Census Bureau, ZIP Code Tabulation Area relationship files (2020; Connecticut 2022) and Gazetteer locations (2025) (2025). Retrieved 2026-09-29.
  13. U.S. Census Bureau, Cartographic boundary files (ZIP code areas 2020; counties and states 2024) and TIGER/Line primary roads (2024) (2024). Retrieved 2026-09-29.
  14. Internal Revenue Service, Rev. Proc. 2025-32 (2026 tax brackets and standard deduction) (2026). Retrieved 2026-09-29.
  15. Internal Revenue Service, Publication 15 (Circular E), Employer's Tax Guide for 2026 (Social Security and Medicare) (2026). Retrieved 2026-09-29.
  16. U.S. Department of Labor, Employment and Training Administration, O*NET 31.0 Database: Job Titles (used under CC BY 4.0; O*NET is a trademark of USDOL/ETA) (2026). Retrieved 2026-10-14.