The Real Value of $100 Varies Widely Across the U.S.

New Yorkers get less bang for their buck compared to other states

Published on Feb. 24, 2026

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A new analysis shows that the purchasing power of $100 can vary significantly depending on where you live in the United States. In New York, $100 is only worth $92, while in states like Arkansas and Mississippi, it's worth $113. The cost of living, taxes, and other factors all contribute to these regional differences in dollar value.

Why it matters

Understanding the real value of the dollar in different parts of the country is important for consumers, businesses, and policymakers. It can inform decisions about where to live, work, and invest, as well as guide economic policies aimed at addressing regional disparities.

The details

According to financial expert Jeff Rose, the value of $100 in 2026 will be worth significantly less in high-cost states like New York and California compared to more affordable states in the Midwest and South. For example, in New York, $100 is only worth $92, while in Arkansas and Mississippi it's worth $113. The reasons for these differences include the cost of housing, groceries, transportation, and other goods and services.

  • In 1976, $100 had the purchasing power of approximately $569 today.
  • In 1986, $100 had the purchasing power of approximately $295 today.
  • In 1996, $100 had the purchasing power of approximately $206 today.
  • In 2006, $100 had the purchasing power of approximately $161 today.
  • In 2016, $100 had the purchasing power of approximately $135 today.

The players

Jeff Rose

A retired Certified Financial Planner and self-made millionaire who shares wealth-building advice.

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What they’re saying

“In some states that $100 is worth more, but in New York it is actually worth less.”

— Jeff Rose, Certified Financial Planner (zoey1039.com)

The takeaway

This analysis highlights the importance of considering regional cost-of-living differences when making financial decisions, such as where to live, work, or retire. Consumers should be aware that the real value of their money can vary significantly depending on their location within the United States.