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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
Downtown Waterloo Iowa
Stephen Cummings. CC BY 2.0. Photo source · License

Miami vs Waterloo

$1,070/mo more in Waterloo

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

MiamiWaterlooAbout 1,323 miles apart, a flight.

  • Waterloo leaves you more
  • Rent under 30% of pay
  • Real winters

Same paycheck, two cities. $2,763/mo in Waterloo. $1,693/mo in Miami. +$12,840 a year.

Miami

$1,693

left each month

Waterloo

$2,763

+$1,070 vs Miami

Compare

Same paycheck, another city.

Waterloo wins 3 of 4Miami 1 · ties 0
$5,975Take-home · Miami$5,320
$2,073Rent · Waterloo$788
$2,209Other bills · Waterloo$1,769
$1,693Left over · Waterloo$2,763

Next

+$1,070 / 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 monthMiamiWaterloo
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Waterloo · this breakdownMiami · home
See full breakdown
Monthly and annual budget comparison between Miami, FL and Waterloo, IA
Per monthMiamiWaterlooDifference
Gross pay$7,500$6,875−$625
Income and payroll tax$1,525$1,555+$30
Take-home pay$5,975$5,320−$655
Rent$2,073$788−$1,285
Getting around$599$510−$89
Groceries$444$347−$97
Healthcare$500$391−$109
Utilities$278$217−$61
Everything else$389$304−$85
Left over$1,693$2,763+$1,070

Salary to match Miami

$63,000

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

Tax difference

−$2,580

A year, in state and local income tax. Effective rates: 20.3% in Miami, 22.6% in Waterloo.

More about Waterloo

Miami, FL in full

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

Waterloo, IA in full

A flat 3.8% state income tax, a median 2-bedroom asking rent of $938 and 204 sunny days; commutes average 17 minutes.

The other way

Start in Waterloo.

Waterloo → Miami →

Questions

Is the cost of living lower in Waterloo than Miami?

For one adult in a one-bedroom, Waterloo leaves about $1,070 more a month. A one-bedroom is about $2,073 in Miami and $788 in Waterloo.

Does Waterloo have state income tax?

Waterloo is in Iowa, which taxes wage income.

What changes if you move from Miami to Waterloo?

The paycheck is taxed in Iowa. 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 Waterloo 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.