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Chicago · Registered nurse · $98,500 · One adult, renting a 1-bedroom
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Miami skyline
Marc Averette. CC BY-SA 3.0. Photo source · License
New York skyline
Fred Hsu on en.wikipedia. CC BY-SA 4.0. Photo source · License

Miami vs New York

$448/mo less in New York

Alabama: $2,168 left in a typical monthArizona: $2,126 left in a typical monthArkansas: $2,400 left in a typical monthCalifornia: $1,645 left in a typical monthColorado: $2,458 left in a typical monthConnecticut: $2,294 left in a typical monthDelaware: $1,980 left in a typical monthDistrict of Columbia: $2,913 left in a typical monthFlorida: $2,204 left in a typical monthGeorgia: $1,988 left in a typical monthIdaho: $2,056 left in a typical monthIllinois: $2,569 left in a typical monthIndiana: $2,407 left in a typical monthIowa: $2,838 left in a typical monthKansas: $2,391 left in a typical monthKentucky: $2,312 left in a typical monthLouisiana: $2,486 left in a typical monthMaine: $1,949 left in a typical monthMaryland: $2,359 left in a typical monthMassachusetts: $2,076 left in a typical monthMichigan: $2,360 left in a typical monthMinnesota: $2,600 left in a typical monthMississippi: $2,011 left in a typical monthMissouri: $2,581 left in a typical monthMontana: $2,222 left in a typical monthNebraska: $2,541 left in a typical monthNevada: $2,296 left in a typical monthNew Hampshire: $2,794 left in a typical monthNew Jersey: $1,864 left in a typical monthNew Mexico: $2,037 left in a typical monthNew York: $2,320 left in a typical monthNorth Carolina: $2,194 left in a typical monthNorth Dakota: $3,238 left in a typical monthOhio: $2,583 left in a typical monthOklahoma: $2,455 left in a typical monthOregon: $1,624 left in a typical monthPennsylvania: $2,380 left in a typical monthRhode Island: $2,094 left in a typical monthSouth Carolina: $2,108 left in a typical monthSouth Dakota: $2,780 left in a typical monthTennessee: $2,530 left in a typical monthTexas: $2,620 left in a typical monthUtah: $1,822 left in a typical monthVermont: $2,118 left in a typical monthVirginia: $2,326 left in a typical monthWashington: $2,473 left in a typical monthWest Virginia: $2,277 left in a typical monthWisconsin: $2,642 left in a typical monthWyoming: $2,849 left in a typical month
Less leftMore left

MiamiNew YorkAbout 1,081 miles apart, a flight.

  • New York costs you more
  • Rent over 30% of pay
  • 224 sunny days

Same paycheck, two cities. $1,245/mo in New York. $1,693/mo in Miami. −$5,376 a year.

Miami

$1,693

left each month

New York

$1,245

−$448 vs Miami

Compare

Same paycheck, another city.

New York wins 2 of 4Miami 2 · ties 0
$5,975Take-home · New York$6,408
$2,073Rent · Miami$3,018
$2,209Other bills · New York$2,145
$1,693Left over · Miami$1,245

Next

In 2022-2023, 9,096 households moved Miami → New York (avg AGI $131,593). 17,217 went the other way. The whole move →

−$448 / mo

Alabama: $2,168 left in a typical monthArizona: $2,126 left in a typical monthArkansas: $2,400 left in a typical monthCalifornia: $1,645 left in a typical monthColorado: $2,458 left in a typical monthConnecticut: $2,294 left in a typical monthDelaware: $1,980 left in a typical monthDistrict of Columbia: $2,913 left in a typical monthFlorida: $2,204 left in a typical monthGeorgia: $1,988 left in a typical monthIdaho: $2,056 left in a typical monthIllinois: $2,569 left in a typical monthIndiana: $2,407 left in a typical monthIowa: $2,838 left in a typical monthKansas: $2,391 left in a typical monthKentucky: $2,312 left in a typical monthLouisiana: $2,486 left in a typical monthMaine: $1,949 left in a typical monthMaryland: $2,359 left in a typical monthMassachusetts: $2,076 left in a typical monthMichigan: $2,360 left in a typical monthMinnesota: $2,600 left in a typical monthMississippi: $2,011 left in a typical monthMissouri: $2,581 left in a typical monthMontana: $2,222 left in a typical monthNebraska: $2,541 left in a typical monthNevada: $2,296 left in a typical monthNew Hampshire: $2,794 left in a typical monthNew Jersey: $1,864 left in a typical monthNew Mexico: $2,037 left in a typical monthNew York: $2,320 left in a typical monthNorth Carolina: $2,194 left in a typical monthNorth Dakota: $3,238 left in a typical monthOhio: $2,583 left in a typical monthOklahoma: $2,455 left in a typical monthOregon: $1,624 left in a typical monthPennsylvania: $2,380 left in a typical monthRhode Island: $2,094 left in a typical monthSouth Carolina: $2,108 left in a typical monthSouth Dakota: $2,780 left in a typical monthTennessee: $2,530 left in a typical monthTexas: $2,620 left in a typical monthUtah: $1,822 left in a typical monthVermont: $2,118 left in a typical monthVirginia: $2,326 left in a typical monthWashington: $2,473 left in a typical monthWest Virginia: $2,277 left in a typical monthWisconsin: $2,642 left in a typical monthWyoming: $2,849 left in a typical monthMiamiNew York
Less leftMore left
New York · this breakdownMiami · home
See full breakdown
Monthly and annual budget comparison between Miami, FL and New York, NY
Per monthMiamiNew YorkDifference
Gross pay$7,500$9,297+$1,797
Income and payroll tax$1,525$2,889+$1,364
Take-home pay$5,975$6,408+$433
Rent$2,073$3,018+$945
Getting around$599$347−$252
Groceries$444$496+$52
Healthcare$500$558+$58
Utilities$278$310+$32
Everything else$389$434+$45
Left over$1,693$1,245−$448

Salary to match Miami

$120,500

Gross pay in New York that leaves the same amount as $90,000 in Miami.

Tax difference

−$9,970

A year, in state and local income tax. Effective rates: 20.3% in Miami, 31.1% in New York.

More about New York

Miami, FL in full

No income tax, but rents rose faster here than anywhere in the 2020s.

New York, NY in full

The one place where skipping a car genuinely offsets the rent.

The other way

Start in New York.

New York → Miami →

Questions

Is the cost of living lower in New York than Miami?

For one adult in a one-bedroom, New York leaves about $448 less a month. A one-bedroom is about $2,073 in Miami and $3,018 in New York.

Does New York have state income tax?

New York is in New York, which taxes wage income, plus a local wage tax of 3.88%.

What changes if you move from Miami to New York?

The paycheck is taxed in New York. Rent stays at the same bedroom count. What you keep is the difference.

Left over each month is take-home pay minus rent and the rest of the bills. The gap between Miami and New York changes with the job, remote or local pay, and bedrooms. How we figure this · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.

Estimate, not a quote. How we figure this.