City comparison
Utica, NY vs Waterbury, CT
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Waterbury, CT are 7.7% higher than in Utica, NY. Someone earning $100,000 in Utica, NY would need about $107,700 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 $926 in Utica, NY. On $100,000, that's 23% of take-home pay in Waterbury, CT and 15% in Utica, NY.
- On $100,000, estimated state income tax is about $935 a year higher in Utica, NY than in Waterbury, CT.
- For federal employees, locality pay changes a GS-13 step 1 salary by +17.8% moving from Utica, NY to Waterbury, CT ($106,437 → $125,431), while prices change by +7.7%. Net effect of the transfer: +9.5% in real buying power.
- Utica, NY: price level 92.7 (cheaper)
- 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
| Utica, NY | Waterbury, CT | |
|---|---|---|
| Price level (U.S. = 100)2 | 92.7 | 99.8 |
| $100,000 is worth, in the other city2 | $107,661 in Waterbury | $92,884 in Utica |
| Typical 1-bedroom rent3 | $926/mo | $1,445/mo |
| Take-home on $100,00014,15,8 | $74,320 | $75,255 |
| State income tax on $100,000 (estimate)8 | $4,860 (NY) | $3,925 (CT) |
| Rent burden on $100,000 | 15% | 23% |
| Median pay, all jobs4 | $48,970 | $51,440 |
| Federal locality pay area7 | Rest of U.S. | New York-Newark, NY-NJ-CT-PA |
Rent areas: Utica-Rome, NY MSA and Waterbury-Shelton, CT MSA. Metro areas: Utica-Rome, NY and Waterbury-Shelton, CT.
What costs more or less
| Price level (U.S. = 100) | Utica | Waterbury |
|---|---|---|
| Housing (rent) | 66.1 | 89.1 |
| Goods | 99.7 | 97.3 |
| Utilities | 131.9 | 147.6 |
| Other services | 97.8 | 102.7 |
| Overall | 92.7 | 99.8 |
Moving with the same $100,000 salary
Utica, NY → Waterbury, CT
Same pay buys less
Buying power −7.1%; rent takes 23% of take-home; state tax −$935/yr.
47 Fair offer
Waterbury, CT → Utica, NY
Same pay goes further
Buying power +7.7%; rent takes 15% of take-home; state tax +$935/yr.
93 Strong offer
On the GS pay scale?
Utica, NY 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 Utica, NY to Waterbury, CT at the same grade and step does to real buying power.
| Grade5,2 | Utica, NY | Waterbury, CT | Real change, Utica → Waterbury |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $72,737 | +9.5% |
| GS-11 step 1 | $74,678 | $88,005 | +9.5% |
| GS-12 step 1 | $89,508 | $105,481 | +9.5% |
| GS-13 step 1 | $106,437 | $125,431 | +9.5% |
| GS-14 step 1 | $125,776 | $148,222 | +9.5% |
Pay for common jobs
| Median annual pay4 | Utica, NY | Waterbury, CT | Waterbury pay in Utica dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $77,010 | $79,640 | $73,973 (−3.9%) |
| Software Developers | $113,390 | $131,290 | $121,948 (+7.5%) |
| Accountants and Auditors | $79,830 | $93,010 | $86,392 (+8.2%) |
| Registered Nurses | $94,300 | $101,690 | $94,454 (+0.2%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.