Miami, FL vs Merced, CA
Moving from Miami to Merced? Here's what changes — from your equivalent salary to housing ($475,622 → $419,171 median home) and taxes.
Miami vs Merced at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Miami, FL, you'd need about $88,875 in Merced, CA (−$11,125).
Livability — Miami, FL: 57 · Merced, CA: 57 (0–100).
What your home budget buys
A $500,000 home budget gets you about 1,945 sqft in Miami vs 1,790 sqft in Merced ($257 vs $279 per sqft).
Annual cost breakdown (at $100,000)
| Category | Miami, FL | Merced, CA | Difference |
|---|---|---|---|
| Housing | $32,316 | $23,700 | −$8,616 |
| Groceries | $5,091 | $5,247 | +$156 |
| Transportation | $4,800 | $5,125 | +$325 |
| Utilities | $1,656 | $3,804 | +$2,148 |
| Insurance | $4,200 | $1,500 | −$2,700 |
| Taxes | $5,772 | $18,715 | +$12,943 |
| Total | $53,835 | $58,091 | +$4,256 |
Side by side
| Metric | Miami, FL | Merced, CA |
|---|---|---|
| Cost-of-living index | 112.1 | 99.6 |
| Unemployment rate | 5.24% | 10.70% |
| Population growth (5-yr) | 1.7% | 5.6% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $6.38 | $5.67 |
| Median home price | $475,622 | $419,171 |
| Home price ÷ income | 6.9× | 6.5× |
| 1-yr home appreciation | -2.9% | -1.4% |
| Price per square foot | $257 | $279 |
| Median rent | $2,693 | $1,975 |
| Total tax burden (% income) | 9.1% | 13.5% |
| Combined sales tax | 7.02% | 8.82% |
| Capital gains tax | None | 13.30% |
| Property tax rate | 0.90% | 0.68% |
| Healthcare (annual) | $7,500 | $7,200 |
| Childcare (annual, infant) | $10,000 | $19,000 |
| Vehicle property tax | None | 0.65% |
| Avg commute (min) | 30 | 31 |
| Home insurance / yr | $4,200 | $1,500 |
| Auto insurance / yr | $2,900 | $2,400 |
| Flood insurance / yr | $1,400 | $750 |
| Earthquake insurance / yr | $100 | $950 |
| Electricity ¢/kWh | 15.4 | 35.3 |
| Gas $/gal | 3.35 | 4.85 |
| Natural gas / mo | $38 | $72 |
| Water & sewer / mo | $88 | $138 |
| Home internet / mo | $76 | $83 |
| Violent crime /100k | 380 | 500 |
| Avg summer high °F | 91 | 84 |
| Avg winter low °F | 52 | 45 |
| Annual precipitation (in) | 67.4 | 13.5 |
| Annual snowfall (in) | 0.0 | 0.0 |
| Sunshine (% possible) | 70% | 75% |
| Permit difficulty (1–5) | 3 | 5 |