Miami
$79,180
$100k · rank #8 · 20.8%
- Federal
- $13,170
- State
- $0
- Local
- $0
- FICA
- $7,650
- COL index
- 121
2026Miami vs Tampa Take-Home
At $100,000 single (2026), Miami and Tampa model the same take-home ($79,180) under Florida rules — COL indexes 121 vs 95 drive purchasing-power differences.
By Sammy S. · Founder · AuthorUpdated for 2026
Higher take-home
Miami and Tampa are tied
Both model about $79,180 at $100k under Florida rules.
Same state — COL indexes (121 vs 95) matter more than tax for day-to-day purchasing power.
Side-by-side scoreboard
Tampa
$79,180
$100k · rank #4 · 20.8%
- Federal
- $13,170
- State
- $0
- Local
- $0
- FICA
- $7,650
- COL index
- 95
Key takeaways
- At $100,000 single (2026), Miami and Tampa model the same take-home ($79,180) under Florida rules — COL indexes 121 vs 95 drive purchasing-power differences.
- Miami and Tampa are both in Florida — expect matching take-home and different COL.
- Federal ≈ $13,170 (Miami) vs $13,170 (Tampa); state ≈ $0 vs $0.
- FICA ≈ $7,650 vs $7,650.
- Ranks: Miami #8 · Tampa #4 among 34 metros on this hub.
- Personalize filing status and deductions in each state calculator.
How to read Miami vs Tampa
Both columns use the same $100,000 single-filer vignette for 2026: federal + state income tax (+ NYC city tax when modeled) + employee FICA + state SDI/PFML when applicable.
Miami and Tampa model identical take-home because they share Florida rules. COL indexes (121 vs 95) are the practical differentiator for purchasing power.
Same-state pairs should match take-home on this hub; COL is the day-to-day differentiator.
What drives US metro paycheck gaps
Employees are taxed by state of residence (and sometimes city) for wage income — federal brackets apply nationwide. NYC is the only metro on this hub with a separately modeled city PIT.
Miami models about $0 state tax and $7,650 FICA. Tampa models about $0 and $7,650 FICA.
Same-state pairs (e.g. San Francisco–Los Angeles) should match take-home; no-PIT corridors (Austin–Miami) also tie. Cross-state corridors (NYC–Austin, SF–Seattle) are where bracket and payroll differences appear.
Why the income ladder matters
At $50k the modeled gap between these metros is about $0; at $200k it is about $0. Bracket thresholds and FICA/SDI ceilings can reorder winners as salary rises.
Use the ladder before accepting an offer at a different gross — a metro that wins at $100k may not win at $150k or $200k.
Open /calculator/us/florida or /calculator/us/florida to personalize filing status, dependents, and retirement deferrals.
Cost of living vs take-home
Miami COL index 121 · COL-adjusted proxy $65,438. Tampa COL index 95 · proxy $83,347.
COL-adjusted take-home is a purchasing-power hint from relocation indexes — not IRS withholding and not a substitute for rent quotes or a budget.
A higher take-home metro can still feel tighter if housing dominates; pair this compare with the relocation salary calculator.
Limitations of this compare
Single filer, standard deduction, no 401(k), no dependents, no stock options, no remote multi-state income sourcing.
Only NYC city PIT is modeled as a separate local line; other city wage taxes are disclosed when known.
Engine last aligned for hub review 2026-08-11. Figures are educational vignettes — not advice.
Tax stack layers
Federal income tax
IRS brackets and standard deduction. Modeled: Miami $13,170 · Tampa $13,170.
State income tax
State withholding for Florida vs Florida. Modeled: Miami $0 (FL) · Tampa $0 (FL).
Local / city income tax
Neither metro adds a separately modeled city wage tax on this vignette.
FICA
Employee Social Security + Medicare (+ Additional Medicare when applicable). Modeled: Miami $7,650 · Tampa $7,650.
COL index
Miami 121 · Tampa 95 (100 = national average). COL-adjusted proxies: $65,438 vs $83,347.
Income ladder comparison
Same gross bands, single filer — gaps grow or shrink with state brackets and payroll caps.
| Gross | Miami | Tampa | Δ |
|---|---|---|---|
| $50,000 | $42,355 | $42,355 | $0 |
| $75,000 | $61,593 | $61,593 | $0 |
| $100,000 | $79,180 | $79,180 | $0 |
| $150,000 | $113,791 | $113,791 | $0 |
| $200,000 | $148,927 | $148,927 | $0 |
Decision guides
Same-state move
Focus on rent, commute, and COL (121 vs 95) — income tax will not move the needle between Miami and Tampa on this model.
Job offer negotiation
Ask for the work state (and city residency rules) on the contract. A FL vs FL posting can change take-home more than the skyline name.
High COL destination
If relocating to the higher-COL metro (Miami), stress-test rent against take-home — tax wins do not automatically fund housing.
What this compare excludes
- 401(k), IRA, HSA, and other pre-tax deferrals
- Dependents, credits, and itemized deductions beyond the standard single-filer stack
- RSUs, ISOs, ESPP, and other stock compensation
- Remote workers with multi-state income sourcing
- Unmodeled local wage taxes (Philadelphia Wage Tax, Detroit city PIT, Ohio municipal, Pittsburgh EIT/LST)
- Employer benefits, union dues, and commuting subsidies
Myths vs reality
“Every big city has a NYC-style city income tax.”
Miami and Tampa do not add modeled city PIT. Gaps come from state tax and payroll.
“Moving from Miami to Tampa changes my income tax.”
Both are in Florida — modeled take-home matches. Housing and COL (121 vs 95) change; the state return does not.
“Texas and Florida take-home always matches Washington.”
Washington has no wage PIT, but employee PFML can trim take-home below the TX/FL/NV cluster — check the SDI/PFML line on the scoreboard.
“COL-adjusted take-home is my real paycheck.”
It is a purchasing-power proxy only. Tax returns care about taxable wages and credits — not our relocation COL index.
How to use this comparison
Step 1
Read the scoreboard
Compare take-home, effective levy, and the federal / state / local / FICA split for both metros.
Step 2
Scan the income ladder
Confirm whether the $100k winner still leads at $50k, $150k, and $200k.
Step 3
Check same-state vs cross-state
Expect a tax tie — use COL and profiles for housing context.
Step 4
Personalize
Run custom gross and filing status in the Florida and Florida calculators.
Compare another pair
Compare any two metros
Take-home on $100,000 single — state rules, FICA, and modeled local tax.
Related tools
Miami paycheck calculatorPersonalize Florida take-homeTampa paycheck calculatorPersonalize Florida take-home$100k take-home by stateSame vignette ranked across all 50 statesSalary comparison by stateTake-home ladders beyond $100kRelocation salary calculatorCity COL + equivalent salaryReal raise by state5% after tax + CPI by state
Miami vs Tampa FAQs
They tie at about $79,180 on this single-filer vignette.
Miami and Tampa do not add a separately modeled city wage tax on this vignette — gaps come from state income tax, FICA, and any SDI/PFML.
COL indexes here are 121 (Miami) vs 95 (Tampa). COL is not subtracted from take-home — use it as a purchasing-power hint alongside rent quotes.
Single filer, $100,000 gross, 2026 — federal + state income tax (+ NYC city tax when modeled) + employee FICA + state SDI/PFML when applicable. No 401(k), dependents, or stock.
Federal income tax on this vignette is about $13,170 in Miami vs $13,170 in Tampa.
Miami (FL): state ~$0. Tampa (FL): state ~$0.
Often yes. Check the income ladder table on this page ($50k–$200k). Bracket thresholds, FICA caps, and SDI ceilings can reorder winners as salary rises.
401(k)/IRA deferrals, dependents, stock compensation, remote multi-state sourcing, and unmodeled local wage taxes (Philly Wage Tax, Detroit city PIT, Ohio municipal, Pittsburgh EIT/LST). Not tax advice.
Glossary
- Take-home pay
- Gross wages minus modeled federal income tax, state/DC income tax, NYC city tax when applicable, employee FICA, and state SDI/PFML when applicable.
- City wage tax
- A local income or earnings tax on wages. Only NYC is modeled here; Philly, Detroit, Ohio cities, and Pittsburgh disclose unmodeled local taxes.
- MSA
- Metropolitan Statistical Area — Census population ranks (2023) select which metros appear on this hub.
- FICA
- Employee Social Security (6.2% to the 2026 wage base) and Medicare (1.45%) — IRS Topic 751; same in every city.
- SDI / PFML
- State Disability Insurance or Paid Family & Medical Leave employee withholdings (e.g. CA SDI, WA/MA PFML, capped NY SDI).
- COL index
- Cost-of-living index from our relocation city table (100 = national average). Used for context after the paycheck.
- Effective employee levy
- (Gross − take-home) ÷ gross — the share of salary withheld in this vignette.
- Unmodeled local tax
- A real city/municipal wage tax that exists but is not subtracted in our engine — flagged in the city’s caveat.