Baltimore vs Irving
Cost of Living Comparison · 2026
Baltimore
Irving
The Verdict
Irving is 6.0% less expensive than Baltimore overall. A household earning $75,000 in Baltimore would need approximately $70,755 in Irving to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Baltimore has the same purchasing power as $70,755 in Irving.
Conversely, $75,000 in Irving equals $79,500 in Baltimore.
Living in Baltimore vs Irving
Housing Costs
Baltimore's housing index of 107 is higher Irving's 94, translating to median home prices of $200,000 vs $318,000. The $118,000 difference in home prices means roughly $7,668 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,300/mo in Baltimore compared to $1,350/mo in Irving, a monthly difference of $50.
Grocery & Food Costs
Grocery expenses index at 103 in Baltimore and 99 in Irving. A household spending the national average of $475/month on groceries would pay approximately $489/month in Baltimore vs $470/month in Irving. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 110 in Baltimore and 111 in Irving. Monthly utility bills average approximately $440 in Baltimore vs $444 in Irving. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 101 in Baltimore and 103 in Irving. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $52,164 in Baltimore and $73,400 in Irving. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $49,211 and $73,400 respectively. Irving residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,217/month to housing in Baltimore vs $1,713/month in Irving. In Baltimore, median rent of $1,300/mo exceeds this threshold, suggesting renters may feel stretched. In Irving, median rent of $1,350/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 13 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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