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- New York, NY vs Rest of U.S.
2026 editionEffective January 202658 locality pay areasData last changed 2026-08-25
New York, NY vs Rest of U.S.: GS pay compared, 2026
The same grade and step pays $18,103 more a year in New York, NY. Whether that leaves you better off is a different question, and this page answers it.
That is the gap on paper. One of these areas has no published metropolitan price index, so the purchasing-power comparison cannot be made without inventing a number, and we will not.
| New York, NY | Rest of U.S. | |
|---|---|---|
| Salary on paper | $119,546 | $101,443 |
| Locality pay | 37.95% | 17.06% |
| Local price level | 112.6 | — |
| What it buys | $106,204 | — |
| Rank on paper | #2 | #— |
| Rank by what it buys | #37 | #— |
The first two columns are the salaries as published. The last column is the difference in what those salaries buy after local prices — positive means New York, NY comes out ahead, negative means Rest of U.S. does. Cells marked ▲ have been cut to the $197,200 statutory ceiling.
| Grade | New York, NY | Rest of U.S. | Difference after prices |
|---|---|---|---|
| GS-1 | 35,300 | 29,954 | — |
| GS-2 | 38,430 | 32,611 | — |
| GS-3 | 43,322 | 36,762 | — |
| GS-4 | 48,629 | 41,265 | — |
| GS-5 | 54,406 | 46,167 | — |
| GS-6 | 60,647 | 51,463 | — |
| GS-7 | 67,394 | 57,188 | — |
| GS-8 | 74,634 | 63,332 | — |
| GS-9 | 82,438 | 69,954 | — |
| GS-10 | 90,777 | 77,030 | — |
| GS-11 | 99,742 | 84,638 | — |
| GS-12 | 119,546 | 101,443 | — |
| GS-13 | 142,156 | 120,629 | — |
| GS-14 | 167,987 | 142,549 | — |
| GS-15 | 197,200 | 167,672 | — |
How cheap would it have to be?
Rest of U.S. has no metropolitan price index of its own, so the straight purchasing-power comparison cannot be made — and we are not going to invent a number for it. The question turns round, though, and in that form it has an exact answer.
A GS-12 step 5 in New York, NY earns $119,546 where prices stand at 112.6 against a national average of 100. That buys what $106,204 buys at average U.S. prices. The same grade on the Rest of U.S. rate earns $101,443. For those two to come out equal, the place you live on the Rest of U.S. rate would need a price level of 95.5 or below.
Of the 57 localities with published price data, 17 sit at or below that level — so the bar is reachable, but it rules out the expensive half of the country. If the job can be done from anywhere, this is the number that decides where.
One caution on reading it. The price index describes what things cost now, not what they cost you: a mortgage signed years ago, or a house owned outright, changes the arithmetic in a way no published index can see.
Step by step at GS-12
Comparing offers rarely means comparing the same cell. This is GS-12 across all ten steps in both areas, so a step 3 offer in one can be read against a step 7 offer in the other without arithmetic.
| GS-12 | New York, NY | Rest of U.S. | Gap |
|---|---|---|---|
| Step 1 | 105,481 | 89,508 | 15,973 |
| Step 2 | 108,997 | 92,491 | 16,506 |
| Step 3 | 112,513 | 95,475 | 17,038 |
| Step 4 | 116,030 | 98,459 | 17,571 |
| Step 5 | 119,546 | 101,443 | 18,103 |
| Step 6 | 123,062 | 104,427 | 18,635 |
| Step 7 | 126,579 | 107,411 | 19,168 |
| Step 8 | 130,095 | 110,395 | 19,700 |
| Step 9 | 133,611 | 113,378 | 20,233 |
| Step 10 | 137,128 | 116,362 | 20,766 |
Overtime is capped, and the cap differs
Under 5 U.S.C. 5542 an overtime hour is paid at one and a half times your hourly rate only while that rate stays at or below the hourly rate of GS-10 step 1 in your own locality. Above it, the hour is paid at the greater of your own rate and one and a half times that GS-10 step 1 figure — not both.
That threshold is a local number, so it differs between these two areas: $38.38 an hour in New York, NY against $32.57 in Rest of U.S. A GS-12 step 5 earns $57.28 an hour in New York, NY and $48.61 in Rest of U.S., and is paid $57.57 and $48.86 respectively for an overtime hour.
In both areas the overtime hour still carries a genuine premium at this grade. It stops doing so higher up the schedule, and sooner in the better-paid area.
Where raises stop counting
No General Schedule rate may exceed Level IV of the Executive Schedule, $197,200 in 2026. Inside that band a step increase produces a bigger number in the formula, the law cuts it back, and the payslip does not move.
New York, NY has 6 of its 150 cells pinned to the ceiling. Rest of U.S. has none: every step increase there is worth its full face value. Over a career at the top grades that reverses part of the headline gap.
What Rest of U.S. actually means
Rest of U.S. is not a place and not a leftover category for small towns. It is the rate that applies to every federal duty station in the country that does not sit inside one of the 57 named locality pay areas — and that includes plenty of substantial cities. Being a metropolitan area is not the test. Being a named locality pay area is, and the list is decided by the Federal Salary Council and the President, not by population.
It is also the floor of the whole system: the lowest adjustment there is, and the number every other locality is measured against. When people talk about the size of locality pay, this is the baseline they mean.
That makes this particular comparison the one people run most often, and usually in one direction: an offer in New York, NY against staying where you are. The salary difference is real. What the table above adds is how much of it survives contact with local prices — which is the part the offer letter does not mention.
One practical warning that applies only to this pairing. Telework and remote arrangements do not automatically keep you on the Rest of U.S. rate, and they do not automatically move you onto a metropolitan one either. Locality follows the official duty station recorded on your paperwork, which is a question for your servicing HR office rather than for a reference site.
What each area covers
New York, NY is the New York-Newark, NY-NJ-CT-PA area; Rest of U.S. is the Rest of U.S. area Locality follows your duty station, not your home address.
The full New York-Newark, NY-NJ-CT-PA table: every grade and step. The full Rest of U.S. table: every grade and step. To put your own grade and step against either, use the pay calculator.