New York
124.7
composite · rank #46
- Housing
- 172.3
- Grocery
- 100.3
- Utilities
- 102.2
Compare different states
Q1 2026
Q1 2026New York vs Maryland Cost of Living
Maryland has the lower cost of living by 3.6 index points. Compare category indexes and equivalent salaries in both directions.
By Sammy S. · Founder · AuthorUpdated for 2026
Lower cost of living
Maryland is lower
3.6 index points lower. A $100,000 lifestyle in New York is roughly $97,113 in Maryland.
Side-by-side cost of living scoreboard
Maryland
121.1
composite · rank #45
- Housing
- 149.1
- Grocery
- 109.3
- Utilities
- 113.2
Category-by-category comparison
| Category | New York | Maryland | Lower cost |
|---|---|---|---|
| Grocery | 100.3 | 109.3 | New York |
| Housing | 172.3 | 149.1 | Maryland |
| Utilities | 102.2 | 113.2 | New York |
| Transportation | 111.5 | 106.3 | Maryland |
| Health care | 108.9 | 106.9 | Maryland |
| Misc. goods & services | 104.9 | 109.5 | New York |
Grocery
New York100.3
Maryland109.3
Lower cost: New York
Housing
New York172.3
Maryland149.1
Lower cost: Maryland
Utilities
New York102.2
Maryland113.2
Lower cost: New York
Transportation
New York111.5
Maryland106.3
Lower cost: Maryland
Health care
New York108.9
Maryland106.9
Lower cost: Maryland
Misc. goods & services
New York104.9
Maryland109.5
Lower cost: New York
Equivalent salary examples
Salary needed in the destination state to match purchasing power in the origin state.
| Origin salary | Needed in Maryland | Needed in New York |
|---|---|---|
| $50,000 | $48,557 | $51,486 |
| $75,000 | $72,835 | $77,230 |
| $100,000 | $97,113 | $102,973 |
| $150,000 | $145,670 | $154,459 |
| $250,000 | $242,783 | $257,432 |
$50,000 origin salary
In Maryland$48,557
In New York$51,486
$75,000 origin salary
In Maryland$72,835
In New York$77,230
$100,000 origin salary
In Maryland$97,113
In New York$102,973
$150,000 origin salary
In Maryland$145,670
In New York$154,459
Housing gap
New York housing is 172.3; Maryland is 149.1.
Salary planning
$100,000 in New York is roughly $97,113 in Maryland.
Statewide averages
Indexes average participating urban areas. Local rents and wages can differ sharply inside either state.
New York vs Maryland cost of living FAQs
Maryland has the lower cost of living by 3.6 index points. The composite indexes are 124.7 in New York and 121.1 in Maryland (US average = 100).
About $97,113 in Maryland would provide similar statewide purchasing power to $100,000 in New York, based on the composite indexes.
About $102,973 in New York would provide similar statewide purchasing power to $100,000 in Maryland.
Housing indexes are 172.3 in New York and 149.1 in Maryland. Housing is often the largest driver, but groceries, utilities, transportation, health care, and other goods also matter.
No. These are statewide averages of participating urban areas. Your city, neighborhood, housing choice, family size, and spending mix can produce a very different personal cost of living.
Maryland has the lower average index, but wages, taxes, insurance, schools, and job opportunities should also be compared.
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Composite index, category costs, and equivalent-salary examples.
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Data period Q1 2026. Statewide urban-area averages; not personal budget calculations.