Moving from Kentucky to Maryland
Moving to Maryland on the same salary cuts your real buying power by 18.0%; you'd need about $82,300 to break even. Change the salary below to see your own numbers.
The salary comparison above is for W-2 earnings. Your retirement income and budget results appear in the calculator below.
State-median gross rent (2024 ACS): $998/month in Kentucky and $1,721/month in Maryland. These are state benchmarks, not current rental quotes or your own housing costs. Compare your salary offer, housing and moving-cost recovery using the personal-budget option in the calculator.
Equal salary in MD: $82,300
To keep the same lifestyle, you need about $82,300 in Maryland to match $65,000 in Kentucky ($17,300 more), after 2026 taxes and local prices.
Single filer, W-2 salary, standard deduction.
The renter figure uses ACS gross rent, which includes tenant-paid electricity, gas, water/sewer and fuels. The buyer figure adds electricity separately to mortgage, property tax and insurance. Food, transport, healthcare, other spending and one-time moving costs are excluded. These are selected-cost changes, not total savings. State medians may differ from your neighborhood and current quotes.
| Tax on $65,000 | Kentucky | Maryland |
|---|---|---|
| Federal income tax | $5,620 | $5,620 |
| Social Security + Medicare | $4,973 | $4,973 |
| State income tax | $2,157 | $4,536 |
| State payroll programs (UI, disability, paid leave, transit) | $0 | $0 |
| Take-home pay | $52,250 | $49,872 |
Key facts: Kentucky to Maryland
- Median rent
- $998 → $1,721/mo
- Median home value
- $226,000 → $436,300
- Price level (U.S. = 100)
- 90.2 → 105.0
- Road distance
- ≈ 550 miles
- Natural hazard risk (FEMA)
- High county-score mean → Very high county-score mean
What changes when you move to Maryland
- Your state taxes rise by about $2,378 a year on the same $65,000 salary.
- BEA's housing rents price index is 88% higher in Maryland. Median rent goes from $998 to $1,721 a month and the median home value from $226,000 to $436,300.
- Homeowners pay more property tax: the median bill is $4,144 in Maryland vs $1,611 in Kentucky.
- The average home electric bill is $184 a month in Maryland vs $144 in Kentucky (EIA 2025), about $488 a year more.
- Prices for everyday goods are 7% higher (BEA). The statewide sales tax rate is 6% in Maryland vs 6% in Kentucky, before local sales taxes.
Who moves from Kentucky to Maryland
In the latest IRS migration data (2022–2023), 392 households (631 people) filed their taxes in Maryland after filing in Kentucky the year before. That makes Maryland the #22 destination for people leaving Kentucky. These households reported an average adjusted gross income of $62,293. Going the other way, 507 households moved from Maryland to Kentucky, a net loss of 115 households for Maryland.
Five-year trend
Moves from Kentucky to Maryland peaked in 2021–22 at 400 households, then held roughly steady by 2022–23. That is still up 9% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from Kentucky to Maryland
Moving cost: $490–$7,110
Moving about 550 miles from Kentucky to Maryland costs roughly $490 – $7,110, depending on how much of the work you hire out.
Distance between the states' population centers by road (estimate).
| Moving method | Typical range |
|---|---|
| Rental truck (DIY) Truck rental, taxes and fees. Add fuel, damage coverage, lodging and your time. | $490 – $1,650 |
| Moving container You pack and load; the company drives the container. | $1,300 – $2,800 |
| Full-service movers Loading, transport and unloading. Packing, storage and other extra services may cost more; confirm the written estimate. | $2,140 – $7,110 |
These ranges are based on summer (peak-season) quotes. A move between October and April usually costs less: peak prices run 20–30% higher.
A rental truck also burns about 55 gallons of fuel over this distance. One-way truck rental prices depend on direction: a truck headed where many people are moving often costs more than the same trip in reverse.
Ranges combine 198 published quote ranges on 22 interstate routes (moveBuddha, retrieved 2026-09-24) with 47 independent published prices from U-Pack, HireAHelper and Move.org, which raised the top of several ranges. They are not quotes; get at least three written estimates.
Alaska and Hawaii ranges come from published carrier rates and moving quotes, dated in each row (Matson's household-goods rates, U-Pack, Royal Hawaiian Movers). See how we estimate.
Shipping a car from Kentucky to Maryland
Car shipping: $710–$1,070
Shipping a sedan from Kentucky to Maryland on an open carrier costs about $710–$1,070, typically 3–7 days in transit over about 550 miles.
Modeled from 32 published 2026 route prices (SGT Auto Transport 'Ship a Car to Another State' sample routes, SGT Auto Transport cost calculator sample routes) plus published mainland-to-Hawaii and mainland-to-Alaska prices. Reverse ocean routes reuse those inbound prices as a proxy, not a separately sourced price for that direction. The 25% SUV and 35% enclosed-carrier uplifts are model assumptions; ocean carrier packages and vehicle charges can differ. Not a quote.
Kentucky vs Maryland take-home pay at every salary
| Salary | Equal salary in MD | Take-home change | Take-home in KY | Take-home in MD |
|---|---|---|---|---|
| $50,000 | $61,600 | -$1,726 | $40,723 | $38,997 |
| $75,000 | $95,000 | -$2,813 | $59,085 | $56,272 |
| $100,000 | $126,700 | -$3,901 | $75,798 | $71,897 |
| $150,000 | $190,100 | -$6,431 | $108,659 | $102,228 |
| $250,000 | $323,500 | -$11,590 | $174,550 | $162,960 |
Single filer, 2026 tax rules, standard deduction. "Equal salary" keeps the same after-tax buying power.
At higher incomes, especially for homeowners, itemizing state and local taxes (deductible up to $40,400 in 2026) can lower your federal tax once you live in Maryland, which narrows the gap shown.
Cost of living: Kentucky vs Maryland
| Measure | Kentucky | Maryland |
|---|---|---|
| Overall price level (U.S. = 100) | 90.2 | 105.0 |
| Housing rents price index | 64.3 | 121.1 |
| Utilities price index | 75.3 | 110.9 |
| Goods price index | 96.0 | 102.5 |
| Median rent (monthly) | $998 | $1,721 |
| Median home value | $226,000 | $436,300 |
| Median property tax (yearly) | $1,611 | $4,144 |
| Electricity (residential) | 14.26¢/kWh | 21.84¢/kWh |
| State sales tax rate | 6% | 6% |
| Median household income | $64,526 | $102,905 |
Renting and buying: Kentucky vs Maryland
| Measure | Kentucky | Maryland |
|---|---|---|
| Income to rent the median home (30% rule) | $39,920 | $68,840 |
| Monthly cost to own the median home (20% down) | $1,483 | $2,838 |
| Income needed to buy the median home | $63,564 | $121,641 |
| Homeowners insurance (yearly median, homes with a mortgage) | $1,401 | $1,371 |
| Infant child care (center, yearly) | $13,075 | $20,124 |
Mortgage at the Freddie Mac 30-year average with 20% down, plus the median property tax and the median homeowners insurance that owners with a mortgage paid in 2024 (Census ACS). Premiums have risen in most states since then, so get quotes. See buying a home in Maryland for other down payments.
Your yearly budget: Kentucky vs Maryland
On a $65,000 salary, taxes, gross rent including basic utilities, one car and health insurance for one adult come to $34,749 a year in Kentucky and $44,159 in Maryland if you rent: $9,410 more after the move. If you buy the median home, those selected costs use mortgage, property tax, homeowners insurance and electricity instead of gross rent; they come to $42,296 and $59,779 ($17,483 more).
Your yearly budget, before vs after
| Yearly cost | KY | MD | Change |
|---|---|---|---|
| Income and payroll taxes on $65,000, single filer | $12,750 | $15,128 | +$2,378 |
| Car insurance one car, state average | $1,046 | $1,477 | +$431 |
| Gas 12,000 miles at 25 mpg | $1,897 | $1,934 | +$37 |
| Health insurance one adult, age 40, own plan before subsidies | $7,080 | $4,968 | -$2,112 |
| If you rent | |||
| Rent and basic utilities ACS median gross rent, 12 months | $11,976 | $20,652 | +$8,676 |
| Total if you rent | $34,749 | $44,159 | +$9,410 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 7.24% | $14,786 | $28,544 | +$13,758 |
| Property tax median home | $1,611 | $4,144 | +$2,533 |
| Homeowners insurance state median, with a mortgage | $1,401 | $1,371 | -$30 |
| Electricity state average bill | $1,725 | $2,213 | +$488 |
| Total if you buy | $42,296 | $59,779 | +$17,483 |
Taxes: 2026 federal and state rules, standard deduction. Rent, home value and property tax: Census ACS 2024 state medians. Gross rent includes tenant-paid electricity, gas, water/sewer and fuels; those basic utilities are not added again. Mortgage: Freddie Mac 30-year average (7.24%, week of October 29, 2026).
State figures: EIA 2025 average residential power bill (buyers only), 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 October 29, 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 $13,075 a year in Kentucky and $20,124 in Maryland (Child Care Aware of America, 2025 (2024 fallback for Colorado, Washington, DC and South Carolina) state averages).
Cost of living in Maryland cities: Baltimore.
After you arrive in Maryland
- Maryland new resident checklist: driver license and vehicle registration deadlines.
- Taxes the year you move: part-year returns in Kentucky and Maryland.
- How Maryland taxes retirement income.
Frequently asked questions
How much salary do I need in Maryland to live like I do in Kentucky?
A $65,000 salary in Kentucky works out to about $82,300 in Maryland once 2026 federal and state taxes and BEA regional price levels are counted. At $100,000 it is about $126,700.
Will I pay less tax in Maryland than in Kentucky?
No, about $2,378 more a year in income and payroll taxes on a $65,000 salary (19.6% of pay in Kentucky vs 23.3% in Maryland). Property and sales taxes are shown separately.
How much does it cost to move from Kentucky to Maryland?
For a 2–3 bedroom home over about 550 miles, expect roughly $490–$1,650 with a rental truck, $1,300–$2,800 with a moving container, or $2,140–$7,110 with full-service movers.
Are more people moving from Kentucky to Maryland?
Moves from Kentucky to Maryland peaked in 2021–22 at 400 households, then held roughly steady by 2022–23. That is still up 9% from 2018–19.
How many people move from Kentucky to Maryland?
IRS migration data for 2022–2023 show 392 households (631 people) moved from Kentucky to Maryland, making Maryland the #22 destination for people leaving Kentucky. 507 households moved the other way.
Is Maryland cheaper than Kentucky?
Overall prices in Maryland are 16.4% higher than Kentucky (BEA Regional Price Parities 2024). Median rent is $1,721 vs $998 a month.
Compare other moves
Where people from Kentucky actually move
- KY to Ohio 6,362 households
- KY to Indiana 5,940 households
- KY to Tennessee 5,634 households
- KY to Florida 4,578 households
- KY to Texas 2,642 households
- KY to Illinois 1,741 households
- KY to Georgia 1,625 households
- KY to North Carolina 1,565 households
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.