Moving from Baltimore, MD to New York, NY-NJ
About 4,016 people made this move in a typical year (Census Bureau metro-to-metro migration flows, ACS 5-year 2016-2020), and 6,171 go the other way. Here is what the move does to two households’ budgets after 2026 taxes — and the salary each needs in New York, NY-NJ.
Single, $70k: line by line
Single adult earning $70,000, renting. Same gross pay in both places; renting at HUD Fair Market Rent (1 bedroom). Taxes take 24.2% of income in Baltimore, MD and 25.3% in New York, NY-NJ.
Baltimore, MD New York, NY-NJ (monthly)
| Monthly | Baltimore, MD | New York, NY-NJ | Difference |
|---|---|---|---|
| Gross income | $5,833 | $5,833 | $0 |
| Taxes | $1,410 | $1,477 | +$67 |
| Federal income tax2026 tax law | $548 | $548 | $0 |
| Social Security + Medicare2026 tax law | $446 | $446 | $0 |
| State income tax2026 tax law | $247 | $265 | +$18 |
| Local income tax2026 tax law · Mandatory local income tax for residents of New York City. | $169 | $190 | +$21 |
| State Disability Insurance (SDI)2026 tax law | $0 | $3 | +$3 |
| Paid Family Leave (PFL)2026 tax law | $0 | $25 | +$25 |
| Take-home pay | $4,424 | $4,357 | −$67 |
| Housing | $1,625 | $2,729 | +$1,104 |
| Rent, 1-bedroomHUD FMR FY2027 · 40th-percentile gross rent, includes tenant-paid utilities | $1,625 | $2,729 | +$1,104 |
| Food | $451 | $486 | +$35 |
| Food at home (USDA Moderate-Cost plan)USDA food plans August 2026 · US cost × RPP goods 110.3 | $451 | $486 | +$35 |
| Transportation | $175 | $175 | +$1 |
| GasolineEIA electricity 2025, natural gas 2024, gasoline week ending 2026-10-05 · 12,000 mi ÷ 25 mpg × $4.38/gal (NY weekly average) | $175 | $175 | +$1 |
| Sales tax | $31 | $22 | −$9 |
| State sales taxState revenue dept. 2026-10-13 · 4% on other goods; groceries exempt — local add-ons not modeled | $31 | $22 | −$9 |
| Other goods & services | $1,019 | $1,080 | +$61 |
| Other goods (estimate)Estimate (BEA RPP 2024) · your US-average baseline × RPP goods 110.3 | $512 | $551 | +$40 |
| Other services (estimate)Estimate (BEA RPP 2024) · your US-average baseline × RPP other services 105.8 | $507 | $529 | +$22 |
| Left over after modeled costs | $1,123 | −$136 | −$1,259 |
Family of four, $120k: line by line
Two adults, a preschooler and a school-age child, $120,000 combined, renting. Same gross pay in both places; renting at HUD Fair Market Rent (2 bedrooms), center-based childcare in current dollars. Taxes take 19.0% of income in Baltimore, MD and 20.3% in New York, NY-NJ.
Baltimore, MD New York, NY-NJ (monthly)
| Monthly | Baltimore, MD | New York, NY-NJ | Difference |
|---|---|---|---|
| Gross income | $10,000 | $10,000 | $0 |
| Taxes | $1,896 | $2,032 | +$135 |
| Federal income tax2026 tax law · after $4,400 Child Tax Credit | $470 | $470 | $0 |
| Social Security + Medicare2026 tax law | $765 | $765 | $0 |
| State income tax2026 tax law | $393 | $438 | +$44 |
| Local income tax2026 tax law · Mandatory local income tax for residents of New York City. | $268 | $311 | +$43 |
| State Disability Insurance (SDI)2026 tax law | $0 | $5 | +$5 |
| Paid Family Leave (PFL)2026 tax law | $0 | $43 | +$43 |
| Take-home pay | $8,104 | $7,968 | −$135 |
| Housing | $2,006 | $2,971 | +$965 |
| Rent, 2-bedroomHUD FMR FY2027 · 40th-percentile gross rent, includes tenant-paid utilities | $2,006 | $2,971 | +$965 |
| Childcare | $2,148 | $2,564 | +$415 |
| Childcare, center-basedDOL NDCP 2022 · preschool $259/wk, school-age $225/wk (2022 prices, Kings County, NY); × 1.2224 BLS CPI day care, 2022 to 2026-08 | $2,148 | $2,564 | +$415 |
| Food | $1,313 | $1,414 | +$101 |
| Food at home (USDA Moderate-Cost plan)USDA food plans August 2026 · US cost × RPP goods 110.3 | $1,313 | $1,414 | +$101 |
| Transportation | $349 | $350 | +$1 |
| GasolineEIA electricity 2025, natural gas 2024, gasoline week ending 2026-10-05 · 24,000 mi ÷ 25 mpg × $4.38/gal (NY weekly average) | $349 | $350 | +$1 |
| Sales tax | $31 | $22 | −$9 |
| State sales taxState revenue dept. 2026-10-13 · 4% on other goods; groceries exempt — local add-ons not modeled | $31 | $22 | −$9 |
| Other goods & services | $1,019 | $1,080 | +$61 |
| Other goods (estimate)Estimate (BEA RPP 2024) · your US-average baseline × RPP goods 110.3 | $512 | $551 | +$40 |
| Other services (estimate)Estimate (BEA RPP 2024) · your US-average baseline × RPP other services 105.8 | $507 | $529 | +$22 |
| Left over after modeled costs | $1,237 | −$434 | −$1,671 |
Baltimore, MD vs New York, NY-NJ at a glance
| Measure | Baltimore, MD | New York, NY-NJ |
|---|---|---|
| Price level (BEA RPP, US = 100) | 104.5 | 112.6 |
| Housing price level | 118.2 | 148.6 |
| 1-bedroom Fair Market Rent | $1,625 | $2,729 |
| 2-bedroom Fair Market Rent | $2,006 | $2,971 |
| 3-bedroom Fair Market Rent | $2,509 | $3,760 |
| Median home value | $391,300 | $614,200 |
| Effective property-tax rate | 1.00% | 0.71% (Kings County, NY; metro median top-coded) |
| Median household income | $99,470 | $99,155 |
| Center infant care / week (DOL NDCP 2022 unless noted) | $250 | $300 |
| State income tax on wages | Yes | Yes |
| Mandatory local income tax (principal city) | Baltimore City | New York City |
| State sales tax | 6% | 4% |
| Regular gasoline | $4.36 | $4.38 |
| Average electric bill (state) | $184 | $155 |
Sources: BEA RPP 2024; HUD FMR FY2027; Census ACS 2020-2024; DOL NDCP 2022; 2026 tax law; state revenue departments; EIA (electricity 2025, natural gas 2024, gasoline week ending 2026-10-05).
Frequently asked questions
How much do I need to make in New York, NY-NJ to keep my Baltimore, MD lifestyle?+
For a single renter earning $70,000 in Baltimore, MD, about $94,966 in New York, NY-NJ (+35.7%). For two adults with a preschooler and a school-age child on $120,000, about $151,268. Both keep the same money left over after 2026 taxes, rent, childcare, food, fuel and other modeled costs.
Is New York, NY-NJ cheaper than Baltimore, MD?+
On BEA’s 2024 price index, New York, NY-NJ is at 112.6 and Baltimore, MD at 104.5 (US = 100). After taxes and household costs, a single renter on $70,000 would have −$1,259 a month in New York, NY-NJ.
How many people move from Baltimore, MD to New York, NY-NJ?+
About 4,016 people a year (±568), according to the Census Bureau’s metro-to-metro migration flows (ACS 5-year 2016-2020); about 6,171 move the other way.
What isn’t included?+
Moving costs, health insurance, car payments and insurance, local sales tax add-ons and differences in wages between the two metros. Add known monthly costs in the calculator’s “Fixed costs / month” field.