Cost of Living Calculator: City Salary Equivalent

Use this cost of living calculator to find the equivalent salary you'd need in a new city to maintain your current lifestyle. Compare housing, taxes, and everyday costs city to city.

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Equivalent salary needed$0
Salary difference$0
Cost of living change0%
Real purchasing power changesame
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How this calculator works

The equivalent salary is calculated using a simple proportional index comparison:

Equivalent Salary = Current Salary × (Target Index ÷ Current Index)

The cost of living index represents the relative cost of consumer goods and services in a location compared to the US national average (index = 100). An index of 130 means a city is 30% more expensive than average; an index of 80 means 20% cheaper.

Common reference indexes (approximate, as of 2024):

  • New York City: ~187 · San Francisco: ~177 · Los Angeles: ~163
  • Chicago: ~107 · Dallas: ~96 · Phoenix: ~99
  • Austin: ~121 · Nashville: ~107 · Charlotte: ~94

This calculator uses the overall composite index. For a more granular comparison, look at separate indexes for housing, groceries, and healthcare, which often vary significantly even within similar overall indexes.

Source: Cost of living index methodology based on Council for Community and Economic Research (C2ER) ACCRA data, used by bestplaces.net and numbeo.com. National price level data from the Bureau of Labor Statistics CPI.

FAQ

Where do I find the cost of living index for my city?
Free sources: Numbeo (numbeo.com), Best Places (bestplaces.net), and NerdWallet's cost of living tool. The BLS also publishes regional CPI data for major metros.
Does a higher salary always mean a better life in a more expensive city?
Not necessarily. Always factor in state income tax too — a no-income-tax state like Texas or Florida can add 5–13% to your take-home pay compared to California or New York, which the cost index alone does not capture.
What is a good cost of living index?
Below 90 = low cost · 90–110 = average · 110–150 = moderately expensive · above 150 = high cost. Most major coastal cities score above 130.
How is cost of living calculated?
A cost-of-living index combines housing, transportation, food, healthcare, taxes, and utilities for each city, normalized to 100 (US average). To compare: equivalent_salary = current × (destination ÷ origin). Moving from Pittsburgh (90) to NYC (200) means you would need 122% more salary to maintain the same standard of living.
How much more do I need to live in NYC than the average city?
Manhattan's cost-of-living index is roughly 200 — $80,000 of buying power in an average US city requires about $160,000 in Manhattan. Brooklyn/Queens are slightly cheaper (170-180); Bronx/Staten Island ~130-140. The biggest driver is housing — NYC costs 2-4× the national average per sq ft.
Are remote workers really saving by moving to lower-cost cities?
Often yes, with caveats. Moving from San Francisco to Austin saves ~30% on housing but: (1) some employers cut salary based on the new location, (2) state tax differs (CA 13.3% vs TX 0%), (3) cost of relocation eats into year-1 savings. Run both salary and COL through this calculator and confirm your employer's geo-pay policy in writing.
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