Is Miami, FL cheaper than Rochester, NY?

Based on cost of living data, Miami, FL is 27.8% more expensive than Rochester, NY. This translates to spending an extra $2084 per month.

What salary do I need in Miami, FL to live like I do in Rochester, NY?

If you earn $150,000 in Rochester, NY, you'd need approximately $175,007.789 in Miami, FL to maintain the same standard of living.

How does housing cost compare between Rochester, NY and Miami, FL?

Housing in Miami, FL is 75.1% more expensive than in Rochester, NY. For a two-bedroom apartment, rent is $2,660/month in Miami, FL compared to $1,633/month in Rochester, NY.

How much can I save per month by moving from Rochester, NY to Miami, FL?

Living in Miami, FL costs approximately $2084 more per month than Rochester, NY, or $25008 more per year, based on a $150,000 salary.

Rochester, NY vs Miami, FL: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Rochester, NY

Numbers update automatically as you type

You'd spend $2.1K/month more in Miami, FL

$150.0K in your current city equals $175.0K in Miami, FL

Rent data from HUD ZIP-level estimates · COL index from Rochester, NY area

Overall Cost

↑ 27.8%

More expensive

Monthly Impact

$2,084

Extra cost

Annual Impact

$25.0K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Rochester, NY

Population:207K

Cost Index:

100

100 = national average

Median Home:$198K

Miami, FL

Population:442K

Cost Index:

128

(28% above avg)

Median Home:$510K

Rochester, NY

The Empire State

207K

Population

State Tax

Yes

Located in New York, this city has a population of 207K residents.

Miami, FL

The Sunshine State

442K

Population

State Tax

No Income Tax

Climate

Tropical

Notable Facts

•Gateway to Latin America
•Major cruise port
•International business hub

Major Industries

International TradeTourismFinanceReal Estate

Cost Breakdown by Category

Annual spending: Rochester, NY vs Miami, FL

Category	Rochester, NY	Miami, FL	Difference	Change
Housing	$2,108/mo	$3,690/mo	↑ $1,582more	75.1%
Other	$1,738/mo	$2,093/mo	↑ $354more	20.4%
Transportation	$1,315/mo	$1,462/mo	↑ $147more	11.2%
All Utilities	$631/mo	$519/mo	↓ $112less	17.7%
Groceries	$1,029/mo	$1,079/mo	↑ $50.41more	4.9%
Healthcare	$548/mo	$589/mo	↑ $40.91more	7.5%

Housing

↑ 75.1%

Rochester, NY

$2,108

Miami, FL

$3,690

Difference

$1,582

Other

↑ 20.4%

Rochester, NY

$1,738

Miami, FL

$2,093

Difference

$354

Transportation

↑ 11.2%

Rochester, NY

$1,315

Miami, FL

$1,462

Difference

$147

All Utilities

↓ 17.7%

Rochester, NY

$631

Miami, FL

$519

Difference

$112

less

Groceries

↑ 4.9%

Rochester, NY

$1,029

Miami, FL

$1,079

Difference

$50.41

Healthcare

↑ 7.5%

Rochester, NY

$548

Miami, FL

$589

Difference

$40.91

🏠Rent Comparison

Studio

From$1,157

To$1,995

↑ $838

1 Bed

From$1,309

To$2,180

↑ $871

2 Bed

From$1,633

To$2,660

↑ $1,027

3 Bed

From$1,968

To$3,415

↑ $1,447

Rochester, NYZIP-level data

1BR range: $1,050–$1,880/mo

Miami, FLZIP-level data

1BR range: $1,550–$2,990/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,368

Monthly in Rochester, NY

$9,431

Monthly in Miami, FL

$2,063

Difference

Home Values

Rochester

Miami

$198K

Median Value

$510K

↑ +2.3%

YoY Change

↓ -3.6%

↑ +45.8%

5-Year Change

↑ +49.4%

$90K - $334K

Price Range

$278K - $1.53M

Homes in Miami are 158% more expensive than Rochester

Calculate payment - Rochester Calculate payment - Miami

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $9.5K

Per year

Monthly Difference

$795

More take-home

Effective Rate Diff

6.4%

Rate difference

Rochester, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

Miami, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Rochester, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

Miami, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.