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Federal Employee Pay by Locality 2026

Federal employees receive locality pay adjustments based on where they work. These adjustments range from 17.06% (Rest of US) to 46.34% (San Francisco) and directly affect both gross salary and take-home pay. Select a locality to see the full pay breakdown.

San Francisco
46.34% locality adjustment

GS-12 Step 5: $126,817/year

New York
37.95% locality adjustment

GS-12 Step 5: $119,546/year

Los Angeles
36.47% locality adjustment

GS-12 Step 5: $118,264/year

Houston
35.00% locality adjustment

GS-12 Step 5: $116,990/year

Washington DC
33.94% locality adjustment

GS-12 Step 5: $116,071/year

San Diego
33.72% locality adjustment

GS-12 Step 5: $115,880/year

Boston
32.58% locality adjustment

GS-12 Step 5: $114,893/year

Seattle
31.57% locality adjustment

GS-12 Step 5: $114,017/year

Chicago
30.86% locality adjustment

GS-12 Step 5: $113,402/year

Denver
30.52% locality adjustment

GS-12 Step 5: $113,107/year

Sacramento
29.76% locality adjustment

GS-12 Step 5: $112,449/year

Detroit
29.12% locality adjustment

GS-12 Step 5: $111,894/year

Philadelphia
28.99% locality adjustment

GS-12 Step 5: $111,781/year

Minneapolis
27.62% locality adjustment

GS-12 Step 5: $110,594/year

Dallas
27.26% locality adjustment

GS-12 Step 5: $110,282/year

Miami
24.67% locality adjustment

GS-12 Step 5: $108,038/year

Atlanta
23.79% locality adjustment

GS-12 Step 5: $107,275/year

Phoenix
22.45% locality adjustment

GS-12 Step 5: $106,114/year

Rest of US
17.06% locality adjustment

GS-12 Step 5: $101,443/year

Baltimore
33.94% locality adjustment DCB area

GS-12 Step 5: $116,071/year (shares DC-Baltimore locality)

Select your exact locality, grade, step, and benefits to see your take-home pay.

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All Localities — GS Salary Comparison 2026

LocalityAdjustmentGS-7 Step 1GS-12 Step 5GS-15 Step 10
San Francisco 46.34% $63,081 $126,817 $197,200
New York 37.95% $59,465 $119,546 $197,200
Los Angeles 36.47% $58,827 $118,264 $197,200
Houston 35.00% $58,193 $116,990 $197,200
Washington DC 33.94% $57,736 $116,071 $197,200
San Diego 33.72% $57,641 $115,880 $197,200
Boston 32.58% $57,150 $114,893 $197,200
Seattle 31.57% $56,715 $114,017 $197,200
Chicago 30.86% $56,409 $113,402 $197,200
Denver 30.52% $56,262 $113,107 $197,200
Sacramento 29.76% $55,934 $112,449 $197,200
Detroit 29.12% $55,658 $111,894 $197,200
Philadelphia 28.99% $55,602 $111,781 $197,200
Minneapolis 27.62% $55,012 $110,594 $197,200
Dallas 27.26% $54,857 $110,282 $197,200
Miami 24.67% $53,740 $108,038 $197,200
Atlanta 23.79% $53,361 $107,275 $197,200
Phoenix 22.45% $52,783 $106,114 $197,200
Rest of US 17.06% $50,460 $101,443 $192,331

How Locality Pay Works

Locality pay was established by the Federal Employees Pay Comparability Act (FEPCA) of 1990 (5 U.S.C. §5304) to close the gap between federal and private-sector pay in different geographic areas. The Federal Salary Council, using Bureau of Labor Statistics data, recommends locality pay percentages annually. The President sets the final rates by Executive Order.

In 2026, locality pay percentages were frozen at 2025 levels, with a 1% across-the-board increase applied to the base GS table. There are 58 locality pay areas, plus the Rest of US (RUS) baseline that covers all areas not assigned to a specific locality. The GS-15 Step 10 pay cap is $197,200 (Executive Level IV), which limits salary in the highest-paying localities.

Sources: OPM 2026 Locality Pay Tables (5 U.S.C. §5304) · OPM Locality Area Definitions
Disclaimer: This calculator provides estimates based on published federal pay tables, tax rates, and benefit contribution rates. It is not financial, tax, or legal advice. Actual take-home pay may differ based on individual circumstances including but not limited to OBBBA deductions (overtime, tips, senior), SECURE 2.0 catch-up rules, union dues, FSA/HSA contributions, and other factors. This site is not affiliated with, endorsed by, or connected to OPM, the IRS, or any federal agency. Verify deductions with your agency payroll office or a qualified financial professional.