Baltimore, MD vs Lynchburg, VA
Moving from Baltimore to Lynchburg? Here's what changes — from your equivalent salary to housing ($405,877 → $291,459 median home) and taxes.
Baltimore vs Lynchburg at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Baltimore, MD, you'd need about $87,740 in Lynchburg, VA (−$12,260).
Livability — Baltimore, MD: 57 · Lynchburg, VA: 73 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,341 sqft in Baltimore vs 3,432 sqft in Lynchburg ($214 vs $146 per sqft).
Annual cost breakdown (at $100,000)
| Category | Baltimore, MD | Lynchburg, VA | Difference |
|---|---|---|---|
| Housing | $23,028 | $15,792 | −$7,236 |
| Groceries | $5,075 | $4,853 | −$222 |
| Transportation | $3,685 | $3,080 | −$605 |
| Utilities | $2,388 | $1,872 | −$516 |
| Insurance | $1,400 | $1,500 | +$100 |
| Taxes | $11,584 | $8,905 | −$2,679 |
| Total | $47,160 | $36,002 | −$11,158 |
Side by side
| Metric | Baltimore, MD | Lynchburg, VA |
|---|---|---|
| Cost-of-living index | 103.2 | 90.5 |
| Unemployment rate | 4.86% | 4.33% |
| Population growth (5-yr) | 1.7% | 1.2% |
| Air quality (median AQI) | 47 | 28 |
| Big Mac price (est.) | $5.87 | $5.15 |
| Median home price | $405,877 | $291,459 |
| Home price ÷ income | 4.3× | 4.5× |
| 1-yr home appreciation | 0.8% | 2.7% |
| Price per square foot | $214 | $146 |
| Median rent | $1,919 | $1,316 |
| Total tax burden (% income) | 11.3% | 12.5% |
| Combined sales tax | 6.00% | 5.73% |
| Capital gains tax | 5.75% | 5.75% |
| Property tax rate | 1.04% | 0.55% |
| Healthcare (annual) | $7,200 | $6,800 |
| Childcare (annual, infant) | $16,000 | $15,000 |
| Vehicle property tax | None | 3.97% |
| Avg commute (min) | 30 | 23 |
| Home insurance / yr | $1,400 | $1,500 |
| Auto insurance / yr | $1,900 | $1,400 |
| Flood insurance / yr | $750 | $700 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 22.1 | 17.4 |
| Gas $/gal | 3.30 | 3.20 |
| Violent crime /100k | 450 | 200 |
| Avg summer high °F | 88 | 87 |
| Avg winter low °F | 27 | 28 |
| Permit difficulty (1–5) | 4 | 3 |