Cost of living in Baltimore, MD
The Baltimore-Columbia-Towson, MD metro area (2,859,024 people) ranks #29 of 149 for prices among the U.S. metro areas we cover. Here's what it costs to live there.
Hover over or tap a dot to see its value.
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Price level, from cheaper to pricier.
- The Villages, FL 85.4
- McAllen, TX 85.9
- Springfield, MO 88.6
- Wichita, KS 88.9
- Jackson, MS 89.0
- Tulsa, OK 89.2
- Columbus, GA 89.3
- Little Rock, AR 89.4
- El Paso, TX 89.9
- Oklahoma City, OK 90.4
- Sioux Falls, SD 90.6
- Baton Rouge, LA 90.8
- Clarksville, TN 90.9
- Fargo, ND 90.9
- Killeen, TX 91.1
- Spartanburg, SC 91.1
- Fayetteville, AR 91.4
- Chattanooga, TN 91.5
- Toledo, OH 91.5
- Birmingham, AL 91.6
- Des Moines, IA 91.7
- Augusta, GA 91.9
- Omaha, NE 91.9
- Fayetteville, NC 92.0
- Winston-Salem, NC 92.0
- Jacksonville, NC 92.1
- Memphis, TN 92.2
- Kansas City, MO 92.5
- Fort Wayne, IN 92.6
- Knoxville, TN 92.6
- New Orleans, LA 92.6
- Dayton, OH 92.7
- Greensboro, NC 92.9
- Lexington, KY 92.9
- Huntsville, AL 93.1
- Louisville, KY 93.1
- Greenville, SC 93.3
- Akron, OH 93.4
- Billings, MT 93.5
- Myrtle Beach, SC 93.6
- Columbia, SC 93.7
- Cleveland, OH 93.9
- Daphne, AL 94.7
- Pittsburgh, PA 94.7
- San Antonio, TX 94.7
- St. Louis, MO 95.1
- Ocala, FL 95.2
- Savannah, GA 95.2
- Cincinnati, OH 95.4
- Albuquerque, NM 95.5
- Columbus, OH 95.5
- Grand Rapids, MI 95.5
- Indianapolis, IN 95.7
- Syracuse, NY 95.7
- Buffalo, NY 95.8
- Nashville, TN 96.3
- Wilmington, NC 96.4
- Asheville, NC 96.5
- Cheyenne, WY 96.5
- Gainesville, FL 96.7
- Milwaukee, WI 96.9
- Tucson, AZ 96.9
- Crestview, FL 97.0
- Rochester, NY 97.0
- Lakeland, FL 97.1
- Charlotte, NC 97.3
- Madison, WI 97.3
- Panama City, FL 97.3
- Durham, NC 97.6
- Pensacola, FL 97.7
- Richmond, VA 97.9
- Virginia Beach, VA 97.9
- Hilton Head Island, SC 98.0
- Austin, TX 98.1
- Provo, UT 98.2
- Raleigh, NC 98.2
- Prescott, AZ 98.3
- Boise, ID 98.4
- Houston, TX 98.6
- Harrisburg, PA 98.7
- Daytona Beach, FL 99.4
- Jacksonville, FL 99.5
- Albany, NY 99.6
- Allentown, PA 100.0
- Palm Bay, FL 100.0
- Atlanta, GA 100.1
- Greeley, CO 100.2
- Las Vegas, NV 100.2
- Port St. Lucie, FL 100.2
- Detroit, MI 100.3
- Ogden, UT 100.3
- Spokane, WA 100.3
- Norwich, CT 100.4
- Punta Gorda, FL 100.5
- Colorado Springs, CO 100.7
- Ann Arbor, MI 100.9
- Bakersfield, CA 100.9
- Burlington, VT 100.9
- Salt Lake City, UT 100.9
- Tampa, FL 100.9
- Charleston, SC 101.0
- Reno, NV 101.0
- Fort Collins, CO 101.1
- Orlando, FL 101.4
- Eugene, OR 101.6
- Providence, RI 101.8
- Portland, ME 101.9
- Fresno, CA 102.2
- Cape Coral, FL 102.3
- Sarasota, FL 102.4
- Worcester, MA 102.5
- Philadelphia, PA 102.6
- Hartford, CT 102.7
- Dallas, TX 103.1
- Naples, FL 103.2
- Trenton, NJ 103.2
- Phoenix, AZ 103.3
- Bend, OR 103.6
- Chicago, IL 103.6
- Olympia, WA 103.7
- Baltimore, MD 104.5
- New Haven, CT 104.6
- Minneapolis, MN 104.8
- Stockton, CA 105.1
- Boulder, CO 105.2
- Anchorage, AK 105.4
- Portland, OR 105.4
- Bremerton, WA 105.6
- Manchester, NH 105.7
- Denver, CO 105.8
- Riverside, CA 106.4
- Sacramento, CA 106.7
- Bridgeport, CT 106.9
- Santa Rosa, CA 107.8
- Boston, MA 108.3
- Vallejo, CA 108.5
- Santa Barbara, CA 108.8
- Washington, D.C. 108.9
- Salinas, CA 109.0
- Poughkeepsie, NY 109.4
- San Jose, CA 110.4
- Oxnard, CA 110.5
- Honolulu, HI 111.0
- Seattle, WA 111.1
- San Diego, CA 111.9
- New York, NY 112.6
- Los Angeles, CA 113.6
- Miami, FL 114.2
- San Francisco, CA 115.6
Compare Baltimore with your city
See what you'd need to earn in Baltimore to keep your lifestyle, after taxes and local prices. The calculator starts from Washington, D.C., which sends the most households here of the metros we cover (IRS, 2022–2023), using its median household income as an illustrative single-earner salary. Household income can include several earners and other income; it is not a typical individual wage. Pick your own city, salary and filing status.
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).
Prices and housing cover the metro area; taxes use Washington, DC and Maryland, their principal states. A metro can span several states; living in its other state can change the tax result.
What things cost in Baltimore
The vertical line marks the U.S. average (100). BEA Regional Price Parities 2024 for the metropolitan area.
Taxes in Baltimore
In this fixed example, one single filer earning a $100,000 W-2 salary keeps $71,803 after 2026 federal tax ($13,170), Social Security and Medicare ($7,650) and Maryland income tax ($4,386), and $2,990 in Baltimore resident income tax. The salary is rounded from median household income, not an observed individual wage. This example stays fixed when you change the calculator.
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.
Housing
| Measure | Baltimore area |
|---|---|
| Median rent | $1,633/mo |
| Median home value | $403,000 |
| Median property tax | $3,927/yr |
| Monthly cost to own the median home (20% down) | $2,639 |
| Median household income | $98,666 |
Climate and jobs in Baltimore
In the Baltimore area the average January low is 25°F and the average July high 89°F, and the area has about 34 days a year at 90°F or hotter. Unemployment averaged 3.9% in 2025, below the U.S. rate (4.3%), and the median wage across all jobs was $59,070 a year, 16% above the U.S. median.
| Climate | 1991–2020 average |
|---|---|
| January low | 25°F |
| July high | 89°F |
| Days 90°F or hotter | 34 a year |
| Precipitation | 45 in a year |
| Snowfall | 19 in a year |
| Jobs and pay | Metro area | U.S. |
|---|---|---|
| Unemployment rate, 2025 average | 3.9% | 4.3% |
| Median wage, all jobs (May 2025) | $59,070 | $50,980 |
| Wage and salary jobs (May 2025) | 1.4 million | 155.5 million |
Climate: NOAA U.S. Climate Normals, 1991–2020 averages at the Baltimore Washington International Airport station (USW00093721). Weather varies across a metro area, especially with elevation and distance from the coast. Jobs: unemployment from BLS Local Area Unemployment Statistics; wages and job counts from BLS Occupational Employment and Wage Statistics, which count wage and salary jobs, not the self-employed; wages are before taxes. The 2025 average covers 11 months: October 2025 data were not collected during the federal government shutdown.
Retiring in Baltimore
Our modeled retiree budget is about $3,387 a month here with a home owned outright, or $4,094 renting. It uses spending benchmarks for households with a reference person age 65 or older (BLS 2024), adjusted for local prices. These are household-based estimates, not observed spending by a single retiree in Baltimore. See where your budget goes furthest.
Where people move to and from Baltimore
- Baltimore to Washington, D.C.
- Baltimore to Philadelphia
- Baltimore to New York
- Washington, D.C. to Baltimore
- New York to Baltimore
- Philadelphia to Baltimore
IRS county-to-county migration data, 2022–2023, aggregated to the 149 metro areas we cover.
Natural hazard risk
RelocateMath's population-weighted mean of FEMA county risk scores for the Baltimore area is 84.1 of 100 (very high county-score mean), with modeled expected losses of about $182 per resident per year. A mean of county percentiles is not an official FEMA metro rating or a national metro percentile. It describes the counties in the metro; your property's risk can differ. Disaster risk by county in Maryland.
The vertical line marks county-score scale midpoint (50).
Frequently asked questions
What salary do you need to live in Baltimore?
In a fixed single-filer W-2 example living inside the principal city, about $88,100 in Baltimore matches the buying power of $75,000 in an average-priced area with no state income tax. The example uses 2026 federal taxes, Maryland state taxes and modeled resident local taxes where applicable. It stays fixed when calculator inputs change. Renting the median home at 30% of income takes $65,320, and buying the median home with 20% down takes about $113,085.
Is Baltimore expensive?
The Baltimore metro area's price level is 104.5 (U.S. = 100), #29 of the 149 metro areas we cover, from most to least expensive. Its housing rents price index is 118.2, 18% above the U.S. average.
Are people moving to Baltimore?
Counting moves to and from the other 148 metro areas we cover, Baltimore had a net loss of about 1,297 households in 2022–2023 (IRS county migration data).
What is the weather like in Baltimore?
In NOAA's 1991–2020 climate normals for the Baltimore area (Baltimore Washington International Airport weather station), the average January low is 25°F and the average July high 89°F. The area has about 34 days a year at 90°F or hotter and gets 45 inches of precipitation a year and about 19 inches of snow.
What are jobs and pay like in Baltimore?
The Baltimore metro area's unemployment rate averaged 3.9% in 2025, below the U.S. rate (4.3%). The median wage across all jobs was $59,070 a year in May 2025, 16% above the U.S. median of $50,980 (Bureau of Labor Statistics).
What natural disasters affect Baltimore?
RelocateMath's population-weighted mean of FEMA county risk scores is 84.1 out of 100 (very high county-score mean). This is not an official FEMA metro rating or a national metro percentile. The highest county-score means by hazard are winter weather, heat wave, strong wind.
Compare Baltimore with other cities
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Cities with similar prices
- New Haven, CT 104.6
- Minneapolis, MN 104.8
- Stockton, CA 105.1
- Boulder, CO 105.2
- Olympia, WA 103.7
- Chicago, IL 103.6
- Moving from Maryland
State-agency links identify the responsible tax office; they do not verify every modeled rule. Use forms and guidance for the year you are filing. Local-tax references retain their own publication or filing years. Some documents cover an earlier filing year; a source link is not a claim that every rule has just been rechecked.