City comparison
Baltimore, MD vs Montgomery, AL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Baltimore, MD are 16.5% higher than in Montgomery, AL. Someone earning $100,000 in Montgomery, AL would need about $116,500 in Baltimore, MD to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,511 a month in Baltimore, MD versus $870 in Montgomery, AL. On $100,000, that's 24% of take-home pay in Baltimore, MD and 14% in Montgomery, AL.
- On $100,000, estimated state income tax is about $349 a year higher in Montgomery, AL than in Baltimore, MD.
- For federal employees, locality pay changes a GS-13 step 1 salary by −12.6% moving from Baltimore, MD to Montgomery, AL ($121,785 → $106,437), while prices change by −14.2%. Net effect of the transfer: +1.8% in real buying power.
- Baltimore, MD: price level 104.5 (pricier)
- Montgomery, AL: price level 89.7 (much cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Baltimore, MD | Montgomery, AL | |
|---|---|---|
| Price level (U.S. = 100)2 | 104.5 | 89.7 |
| $100,000 is worth, in the other city2 | $85,831 in Montgomery | $116,508 in Baltimore |
| Typical 1-bedroom rent3 | $1,511/mo | $870/mo |
| Take-home on $100,00014,15,8 | $74,794 | $74,445 |
| State income tax on $100,000 (estimate)8 | $4,386 (MD) | $4,735 (AL) |
| Rent burden on $100,000 | 24% | 14% |
| Median pay, all jobs4 | $59,070 | $44,950 |
| Federal locality pay area7 | Washington-Baltimore-Arlington, DC-MD-VA-WV-PA | Rest of U.S. |
Rent areas: Baltimore-Columbia-Towson, MD MSA and Montgomery, AL MSA. Metro areas: Baltimore-Columbia-Towson, MD and Montgomery, AL.
What costs more or less
| Price level (U.S. = 100) | Baltimore | Montgomery |
|---|---|---|
| Housing (rent) | 118.2 | 64.3 |
| Goods | 102.4 | 96.4 |
| Utilities | 110.2 | 84.9 |
| Other services | 101.5 | 96.7 |
| Overall | 104.5 | 89.7 |
Moving with the same $100,000 salary
Baltimore, MD → Montgomery, AL
Same pay goes further
Buying power +16.5%; rent takes 14% of take-home; state tax +$349/yr.
100 Strong offer
Montgomery, AL → Baltimore, MD
Same pay buys less
Buying power −14.2%; rent takes 24% of take-home; state tax −$349/yr.
38 Weak offer
On the GS pay scale?
Baltimore, MD is in the Washington-Baltimore-Arlington, DC-MD-VA-WV-PA pay area; Montgomery, AL is in Rest of U.S.. The last column shows what a transfer from Baltimore, MD to Montgomery, AL at the same grade and step does to real buying power.
| Grade5,2 | Baltimore, MD | Montgomery, AL | Real change, Baltimore → Montgomery |
|---|---|---|---|
| GS-9 step 1 | $70,623 | $61,722 | +1.8% |
| GS-11 step 1 | $85,447 | $74,678 | +1.8% |
| GS-12 step 1 | $102,415 | $89,508 | +1.8% |
| GS-13 step 1 | $121,785 | $106,437 | +1.8% |
| GS-14 step 1 | $143,913 | $125,776 | +1.8% |
Pay for common jobs
| Median annual pay4 | Baltimore, MD | Montgomery, AL | Montgomery pay in Baltimore dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $76,400 | $59,610 | $69,451 (−9.1%) |
| Software Developers | $138,900 | $110,620 | $128,882 (−7.2%) |
| Accountants and Auditors | $85,160 | $75,040 | $87,428 (+2.7%) |
| Registered Nurses | $99,550 | $79,570 | $92,706 (−6.9%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.