Baltimore, MD vs Utica, NY
Moving from Baltimore to Utica? Here's what changes — from your equivalent salary to housing ($405,877 → $230,265 median home) and taxes.
Baltimore vs Utica 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 $89,873 in Utica, NY (−$10,127).
Livability — Baltimore, MD: 57 · Utica, NY: 64 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,341 sqft in Baltimore vs 3,475 sqft in Utica ($214 vs $144 per sqft).
Annual cost breakdown (at $100,000)
| Category | Baltimore, MD | Utica, NY | Difference |
|---|---|---|---|
| Housing | $23,028 | $16,848 | −$6,180 |
| Groceries | $5,075 | $4,868 | −$207 |
| Transportation | $3,685 | $3,895 | +$210 |
| Utilities | $2,388 | $3,180 | +$792 |
| Insurance | $1,400 | $1,600 | +$200 |
| Taxes | $11,584 | $17,314 | +$5,730 |
| Total | $47,160 | $47,705 | +$545 |
Side by side
| Metric | Baltimore, MD | Utica, NY |
|---|---|---|
| Cost-of-living index | 103.2 | 92.7 |
| Unemployment rate | 4.86% | 4.37% |
| Population growth (5-yr) | 1.7% | -1.3% |
| Air quality (median AQI) | 47 | 27 |
| Big Mac price (est.) | $5.87 | $5.28 |
| Median home price | $405,877 | $230,265 |
| Home price ÷ income | 4.3× | 3.4× |
| 1-yr home appreciation | 0.8% | 8.1% |
| Price per square foot | $214 | $144 |
| Median rent | $1,919 | $1,404 |
| Total tax burden (% income) | 11.3% | 15.9% |
| Combined sales tax | 6.00% | 8.52% |
| Capital gains tax | 5.75% | 10.90% |
| Property tax rate | 1.04% | 2.26% |
| Healthcare (annual) | $7,200 | $7,800 |
| Childcare (annual, infant) | $16,000 | $17,000 |
| Vehicle property tax | None | None |
| Avg commute (min) | 30 | 21 |
| Home insurance / yr | $1,400 | $1,600 |
| Auto insurance / yr | $1,900 | $2,100 |
| Flood insurance / yr | $750 | $800 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 22.1 | 29.4 |
| Gas $/gal | 3.30 | 3.45 |
| Violent crime /100k | 450 | 350 |
| Avg summer high °F | 88 | 83 |
| Avg winter low °F | 27 | 16 |
| Permit difficulty (1–5) | 4 | 5 |