Dallas vs Baltimore

Category-by-Category Breakdown

Index values shown. National average = 100. Lower is cheaper.

💰 Salary Equivalence

To maintain the same standard of living:

See exact take-home pay: Texas salaries · Maryland salaries

Living in Dallas vs Baltimore

Housing is typically the biggest factor in any cost-of-living comparison. Dallas has a housing index of 104 while Baltimore sits at 107 (national average = 100). The median home in Dallas costs $310,000 compared to $200,000 in Baltimore, a difference of $110,000. Monthly rent follows a similar pattern: $1,500 in Dallas versus $1,300 in Baltimore.

Groceries and everyday expenses show a notable difference: Dallas scores 97 while Baltimore scores 103. Both cities are close to the national average for grocery costs.

Healthcare costs in Dallas (100) are lower than Baltimore (101). Both are close to the national average.

Median household income in Dallas is $54,747 compared to $52,164 in Baltimore. When adjusted for cost of living, purchasing power is similar in both cities.

Relocating: Dallas vs Baltimore

If you are considering a move between Dallas (index: 103) and Baltimore (index: 106), the 3% cost difference has real implications for your budget. Dallas is the more affordable option, but the right choice depends on your income, career opportunities, and lifestyle priorities.

Housing budget reality: Using the 28% rule (spending no more than 28% of gross income on housing), the median household in Dallas can afford $1,277/month, while the median household in Baltimore can afford $1,217/month. With median homes at $310,000 in Dallas versus $200,000 in Baltimore, both cities offer reasonable homeownership opportunities at median income.

Renting vs buying: At $1,500/month in Dallas and $1,300/month in Baltimore, renters face similar costs in both cities. The rent-to-own ratio in each city determines whether renting or buying offers better value for your situation.

Income adjustment: A $75,000 salary goes about equally far in both cities. Before accepting a job in either city, use the salary equivalence data above to understand what you would need to earn to maintain your current standard of living.

Reading These Numbers: Dallas (103) vs Baltimore (106)

The cost of living index uses 100 as the national average. Dallas at 103 is 3% above the US average, while Baltimore at 106 is 6% above average. Both cities are close to the national average in overall costs.

Dallas and Baltimore land within 3 points of each other on the composite index (103 vs 106), so the overall cost picture is similar. Utilities shows the widest single-category margin at 99 versus 110, making it the area where residents will feel the most day-to-day price difference between Dallas and Baltimore. Housing costs are comparable between the two metros, with Dallas at 104 and Baltimore at 107 on the housing sub-index and median home prices of $310,000 and $200,000 respectively. With nearly identical cost profiles, the deciding factor between Dallas and Baltimore is more likely income potential, career opportunity, or lifestyle preference than raw cost of living.

For renters: With median rents of $1,500/month in Dallas and $1,300/month in Baltimore, the annual rent difference is approximately $2,400. Over a 5-year period, that compounds to $12,000 in savings by choosing the more affordable city.

For homebuyers: The $110,000 difference in median home prices between Dallas and Baltimore translates to roughly $6,600 per month in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.

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