Baltimore vs Montgomery

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 $55,896 in Montgomery.

Conversely, $75,000 in Montgomery equals $100,633 in Baltimore.

Living in Baltimore vs Montgomery

Housing Costs

Baltimore's housing index of 107 is higher Montgomery's 49, translating to median home prices of $200,000 vs $162,000. The $38,000 difference in home prices means roughly $2,472 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,300/mo in Baltimore compared to $1,000/mo in Montgomery, a monthly difference of $300.

Grocery & Food Costs

Grocery expenses index at 103 in Baltimore and 99 in Montgomery. A household spending the national average of $475/month on groceries would pay approximately $489/month in Baltimore vs $470/month in Montgomery. 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 115 in Montgomery. Monthly utility bills average approximately $440 in Baltimore vs $460 in Montgomery. Utility costs are relatively comparable between these two cities.

Healthcare

Healthcare costs index at 101 in Baltimore and 78 in Montgomery. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 23-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.

Income & Purchasing Power

Median household income is $52,164 in Baltimore and $56,800 in Montgomery. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $49,211 and $71,899 respectively. Montgomery 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 $1,325/month in Montgomery. In Baltimore, median rent of $1,300/mo exceeds this threshold, suggesting renters may feel stretched. In Montgomery, median rent of $1,000/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 58 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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