Salary Comparison
Captains: Schenectady vs Cambridge
Side-by-side salary, take-home pay, cost of living, and lifestyle score.
Schenectady, NY
$94,726/yr
Cambridge, MA
$65,420/yr
Our recommendation: Schenectady, NY
Schenectady offers $3,544 more per month in disposable income, giving a stronger financial outcome despite comparable pay.
Full Breakdown
Schenectady
Cambridge
Diff (A−B)
Annual Gross Salary
$94,726
$65,420
+$29,306
A vs B
Monthly Take-Home
After estimated federal + state taxes
$5,763
$3,980
+$1,783
A vs B
Cost of Living Index
Lower is more affordable. US avg = 100
90
152
-62 pts
A vs B
Monthly Living Costs
Housing, food, transport, utilities, healthcare
$2,332
$4,093
$1,761
A vs B
Monthly Rent
$1,341
$2,650
$1,309
A vs B
Monthly Disposable
$3,431
$-113
+$3,544
A vs B
Purchasing Power Score
Take-home ÷ living costs. Higher is better
2.47×
0.97×
+1.50×
A vs B
Lifestyle Score
8/10 (Comfortable)
3/10 (Tight)
+5
A vs B
Schenectady — Full Details
Cambridge — Full Details
Salary estimates based on BLS metro data. Cost of living from regional price indices. All figures are estimates; verify with employers before making decisions.