Moving from Washington, D.C. to Baltimore
Your paycheck buys slightly more in Baltimore than in Washington, D.C. (+2.0%). Compare taxes, rent, home prices and the cost of the move.
Equal salary in Baltimore: $122,200
Compare any two of 149 U.S. metro areas. All cities
To keep the same lifestyle, you need about $122,200 in Baltimore, MD to match $125,000 in Washington, D.C. ($2,800 less), after 2026 taxes and local prices.
Single filer, W-2 salary. Uses Washington, DC and Maryland state income tax; includes Baltimore resident tax $3,842 (inside city limits).
Washington, D.C. vs Baltimore: key facts
- Median rent
- $2,037 → $1,633/mo
- Median home value
- $604,800 → $403,000
- Median household income
- $126,244 → $98,666
- Price level (U.S. = 100)
- 108.9 → 104.5
- Natural hazard risk (FEMA)
- Among the highest (82.9 → 84.1 of 100)
Washington, D.C. vs Baltimore cost of living
The vertical line marks the U.S. average (100).
| Measure | Washington, D.C. | Baltimore, MD |
|---|---|---|
| Overall price level (U.S. = 100) | 108.9 | 104.5 |
| Median rent | $2,037 | $1,633 |
| Income to rent affordably (30%) | $81,480 | $65,320 |
| Median home value | $604,800 | $403,000 |
| Monthly cost to own (20% down) | $3,753 | $2,576 |
| Income needed to buy | $160,826 | $110,384 |
| Median property tax | $5,430 | $3,927 |
| State income tax on $125,000 | $7,657 | $5,700 |
| City income tax (inside city limits) | None | $3,842 |
| Metro population | 6,437,907 | 2,859,024 |
Metro-area figures (Census ACS 2024, BEA 2024). Taxes use each metro's principal state, plus the income tax the principal city charges its residents. Commuters who live elsewhere often pay a nonresident rate, and many suburbs levy their own local tax, so unticking a city's box in the calculator estimates a typical suburban rate for it instead.
- Baltimore, MD: Baltimore City residents pay a 3.2% local income tax on Maryland taxable income, in place of a county rate. It is a residence tax: if you live in a Maryland county instead, you pay that county's rate (2.25%–3.3%) wherever you work, and the calculator uses the state's average county rate for that case. Take-home figures include the resident tax.
Your yearly budget: Washington, D.C. vs Baltimore
On a $125,000 salary, taxes, housing, electricity, one car and health insurance for one adult come to $72,877 a year in Washington, D.C. and $67,904 in Baltimore if you rent: $4,973 less after the move. If you buy the median home, they come to $93,464 and $79,215 ($14,249 less).
Your yearly budget, before vs after
| Yearly cost | Washington, D.C.Before | BaltimoreAfter | Change |
|---|---|---|---|
| Income and payroll taxes on $125,000, single filer | $35,953 | $37,838 | +$1,885 |
| Electricity state average bill | $1,359 | $1,990 | +$631 |
| Car insurance one car, state average | $1,677 | $1,477 | -$200 |
| Gas 12,000 miles at 25 mpg | $2,124 | $2,035 | -$89 |
| Health insurance one adult, age 40, own plan before subsidies | $7,320 | $4,968 | -$2,352 |
| If you rent | |||
| Rent median, 12 months | $24,444 | $19,596 | -$4,848 |
| Total if you rent | $72,877 | $67,904 | -$4,973 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 6.95% | $38,433 | $25,609 | -$12,824 |
| Property tax median home | $5,430 | $3,927 | -$1,503 |
| Homeowners insurance state median, with a mortgage | $1,168 | $1,371 | +$203 |
| Total if you buy | $93,464 | $79,215 | -$14,249 |
Taxes: 2026 federal and state rules, plus the principal city's resident income tax where it has one, standard deduction. Rent, home value and property tax: Census ACS 2024 metro-area medians. Mortgage: Freddie Mac 30-year average (6.95%, week of September 17, 2026).
State figures for the principal state: EIA 2024 average residential power bill, NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on September 23, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
Child care is not in the totals. Full-time center care for one infant averages $26,193 a year in Washington, D.C. and $25,321 in Baltimore (Child Care Aware of America, 2024 state averages).
Who moves from Washington, D.C. to Baltimore
About 14,713 households (24,031 people) moved from the Washington, D.C. metro area to the Baltimore metro area in 2022–2023, making Baltimore the #1 destination for people leaving Washington, D.C. among the 149 metro areas we cover. 12,103 households moved the other way. Their average adjusted gross income was $83,988.
Cost to move from Washington, D.C. to Baltimore
| Moving method (2–3 bedrooms) | Typical range |
|---|---|
| Rental truck (DIY) | $310–$600 |
| Moving container | $1,090–$2,030 |
| Full-service movers | $1,830–$4,860 |
At about 40 miles, this move is shorter than the long-distance routes these ranges are modeled on. A move this short is often priced by the hour, so quotes can come in lower.
Natural hazard risk: Washington, D.C. vs Baltimore
FEMA's National Risk Index rates the Washington, D.C. area among the highest (score 82.9) and the Baltimore area among the highest (score 84.1), on a 0–100 national percentile scale. Expected yearly losses from natural hazards average $192 vs $182 per resident.
The vertical line marks the middle of U.S. counties (50).
The vertical line marks the middle of U.S. counties (50).
Frequently asked questions
Is Baltimore cheaper than Washington, D.C.?
Overall prices in the Baltimore area are 4.0% lower than in Washington, D.C. (BEA Regional Price Parities 2024). Median rent is $1,633 vs $2,037 a month, and the median home is $403,000 vs $604,800.
What salary do I need in Baltimore to match $100,000 in Washington, D.C.?
About $98,200, after 2026 federal taxes and local prices. Uses Washington, DC and Maryland state income tax.
How much does it cost to move from Washington, D.C. to Baltimore?
For a 2–3 bedroom home over about 40 miles: roughly $310–$600 with a rental truck, $1,090–$2,030 with a container, or $1,830–$4,860 with full-service movers. A move this short is often priced by the hour, so quotes can come in lower.
How many people move from Washington, D.C. to Baltimore?
IRS county migration data for 2022–2023 show about 14,713 households (24,031 people) moved from the Washington, D.C. metro area to the Baltimore metro area, and 12,103 moved the other way.
Related
Where people from Washington, D.C. move
- Washington, D.C. to New York 7,558 households
- Washington, D.C. to Richmond 3,558 households
- Washington, D.C. to Los Angeles 2,641 households
- Washington, D.C. to Miami 2,452 households
- Washington, D.C. to Philadelphia 2,416 households
- Washington, D.C. to Virginia Beach 2,130 households
- Washington, D.C. to Boston 2,045 households
- Washington, D.C. to Dallas 1,896 households