City Comparison · 2026
Miami vs Tampa
Salary, rent, taxes, and purchasing power compared
Purchasing Power
$100k in Miami = $85k in Tampa
Metric
Miami
Tampa
COL Index
1.50
✓1.27
1BR Monthly Rent
$2,200/mo
✓$1,750/mo
2BR Monthly Rent
$2,900/mo
✓$2,200/mo
State Income Tax
FL
FL
$100k Take-Home
$78,736
$78,736
$100k Effective Rate
21.26%
21.26%
$100k Savings Potential
$52,336
✓$57,736
After-Tax Income by Salary
| Gross Salary | Miami FL | Tampa FL |
|---|---|---|
| $60,000 | $50,248 $4,187/mo · 16.25% eff. | $50,248 $4,187/mo · 16.25% eff. |
| $100,000 | $78,736 $6,561/mo · 21.26% eff. | $78,736 $6,561/mo · 21.26% eff. |
| $150,000 | $113,278 $9,440/mo · 24.48% eff. | $113,278 $9,440/mo · 24.48% eff. |
Frequently Asked Questions
Is Miami or Tampa cheaper to live in?
Miami has a cost-of-living index of 1.50 while Tampa is 1.27 (1.00 = US average). Tampa is cheaper overall. 1BR rent in Miami is $2,200/month vs $1,750/month in Tampa.
How much more do you need to earn in Miami vs Tampa?
$100k in Miami = $85k in Tampa. Cost of living in Tampa is lower by 15.3%.
Which city has better after-tax income — Miami or Tampa?
On a $100,000 salary, you take home $78,736 in FL (Miami) and $78,736 in FL (Tampa). After accounting for rent, your annual savings potential is $52,336 in Miami vs $57,736 in Tampa.
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