Miami vs Pensacola leftover
You'd keep $529 more a month in Pensacola
$2,222/mo leftover in Pensacola vs $1,693 in Miami after tax and rent ($529 more). +$6,348 a year for the same registered nurse, the same household size, and the same number of bedrooms. Not a cost-of-living index.
Miami leftover
$1,693
a month after tax and rent
Pensacola leftover
$2,222
+$529 vs Miami
Compare Miami to another metro
Same paycheck. Try a different city next to Miami.
Monthly gap
Miami → Pensacola
$529
more / month in Pensacola
$2,222 in Pensacola · $1,693 in Miami · One adult, renting a 1-bedroom
Home
Only when you tap. We match the nearest metro and don't keep the coordinates.
Destination
In 2022-2023, 316 households moved Miami → Pensacola (avg AGI $67,516). 120 went the other way. The whole move →
+$529 / mo
| Per month | Miami | Pensacola | Difference |
|---|---|---|---|
| Gross pay | $7,500 | $6,805 | −$695 |
| Income and payroll tax | $1,525 | $1,319 | −$206 |
| Take-home pay | $5,975 | $5,486 | −$489 |
| Rent | $2,073 | $1,337 | −$736 |
| Getting around | $599 | $525 | −$74 |
| Groceries | $444 | $387 | −$57 |
| Healthcare | $500 | $435 | −$65 |
| Utilities | $278 | $242 | −$36 |
| Everything else | $389 | $338 | −$51 |
| Left over | $1,693 | $2,222 | +$529 |
To break even in Pensacola, you'd need to earn
$72,500
Household gross, versus $90,000 today. That's the salary that leaves you exactly as much at the end of the month as Miami does now.
The tax difference alone
$0
A year, in state and local income tax. Florida has no wage income tax.
More about Pensacola
Miami, FL in full
No income tax, but rents rose faster here than anywhere in the 2020s.
Pensacola, FL in full
No state income tax, a median 2-bedroom asking rent of $1,592 and 233 sunny days; commutes average 26 minutes.
The reverse move
Same two cities, but starting from Pensacola on Pensacola wages.
Pensacola → Miami →Questions
Is the cost of living lower in Pensacola than Miami?
A one-bedroom is about $2,073 in Miami versus $1,337 in Pensacola. On a one-adult, one-bedroom household, leftover is about $529 a month higher in Pensacola. Change the job or household on the comparison to see your number.
Does Pensacola have state income tax?
Pensacola is in Florida, which has no state income tax.
What changes if you move from Miami to Pensacola?
Take-home pay is recalculated under Florida tax, rent is priced at the same bedroom count, and leftover is the gap. The from-to page also lists IRS households that already made the move, when that data exists.
Leftover is take-home after federal, state and city wage tax, minus asking rent at the bedroom count you set, minus a modelled month of groceries, utilities, healthcare, transport and childcare. It is not a cost-of-living index and not a moving quote. The dollar gap between Miami and Pensacola moves when you change the job, remote versus local pay, or bedrooms. How the math works · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Rent is Zillow's asking rent for each metro; taxes and living costs are modelled. An estimate, not a quote or tax advice. How this is calculated.