City comparison
Rockford, IL vs San Luis Obispo, CA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in San Luis Obispo, CA are 17.8% higher than in Rockford, IL. Someone earning $100,000 in Rockford, IL would need about $117,800 in San Luis Obispo, CA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,914 a month in San Luis Obispo, CA versus $895 in Rockford, IL. On $100,000, that's 31% of take-home pay in San Luis Obispo, CA and 14% in Rockford, IL.
- On $100,000, estimated state income tax is about $265 a year higher in San Luis Obispo, CA than in Rockford, IL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +4.3% moving from Rockford, IL to San Luis Obispo, CA ($118,984 → $124,085), while prices change by +17.8%. Net effect of the transfer: −11.5% in real buying power.
- Rockford, IL: price level 92.2 (cheaper)
- San Luis Obispo, CA: price level 108.6 (much pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Rockford, IL | San Luis Obispo, CA | |
|---|---|---|
| Price level (U.S. = 100)2 | 92.2 | 108.6 |
| $100,000 is worth, in the other city2 | $117,842 in San Luis Obispo | $84,859 in Rockford |
| Typical 1-bedroom rent3 | $895/mo | $1,914/mo |
| Take-home on $100,00014,15,8 | $74,375 | $74,110 |
| State income tax on $100,000 (estimate)8 | $4,805 (IL) | $5,070 (CA) |
| Rent burden on $100,000 | 14% | 31% |
| Median pay, all jobs4 | $47,120 | $50,770 |
| Federal locality pay area7 | Chicago-Naperville, IL-IN-WI | Los Angeles-Long Beach, CA |
Rent areas: Rockford, IL MSA and San Luis Obispo-Paso Robles, CA MSA. Metro areas: Rockford, IL and San Luis Obispo-Paso Robles, CA.
What costs more or less
| Price level (U.S. = 100) | Rockford | San Luis Obispo |
|---|---|---|
| Housing (rent) | 70.1 | 144.4 |
| Goods | 93.6 | 105.2 |
| Utilities | 89.4 | 147.8 |
| Other services | 99.6 | 100.3 |
| Overall | 92.2 | 108.6 |
Moving with the same $100,000 salary
Rockford, IL → San Luis Obispo, CA
Same pay buys less
Buying power −15.1%; rent takes 31% of take-home; state tax +$265/yr.
29 Weak offer
San Luis Obispo, CA → Rockford, IL
Same pay goes further
Buying power +17.8%; rent takes 14% of take-home; state tax −$265/yr.
100 Strong offer
On the GS pay scale?
Rockford, IL is in the Chicago-Naperville, IL-IN-WI pay area; San Luis Obispo, CA is in Los Angeles-Long Beach, CA. The last column shows what a transfer from Rockford, IL to San Luis Obispo, CA at the same grade and step does to real buying power.
| Grade5,2 | Rockford, IL | San Luis Obispo, CA | Real change, Rockford → San Luis Obispo |
|---|---|---|---|
| GS-9 step 1 | $68,999 | $71,957 | −11.5% |
| GS-11 step 1 | $83,482 | $87,061 | −11.5% |
| GS-12 step 1 | $100,059 | $104,349 | −11.5% |
| GS-13 step 1 | $118,984 | $124,085 | −11.5% |
| GS-14 step 1 | $140,604 | $146,632 | −11.5% |
Pay for common jobs
| Median annual pay4 | Rockford, IL | San Luis Obispo, CA | San Luis Obispo pay in Rockford dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $64,200 | $97,620 | $82,840 (+29.0%) |
| Software Developers | $107,640 | $135,020 | $114,577 (+6.4%) |
| Accountants and Auditors | $75,260 | $88,160 | $74,812 (−0.6%) |
| Registered Nurses | $80,930 | $138,820 | $117,802 (+45.6%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.