Is it cheaper to live in Annapolis or Eugene?

Eugene, OR is cheaper. Its monthly baseline of $1,260 (1BR rent + utilities) runs about 31% below Annapolis, MD's $1,820, mainly because of rent.

How much more do you need to earn to live in Annapolis than in Eugene?

To keep rent near the recommended 30% of gross income, you'd want to earn roughly $64,000 a year in Annapolis versus $43,000 in Eugene.

Which has lower taxes, Annapolis or Eugene?

Annapolis is taxed under Maryland's rules (a top state income tax rate of 6.50% and a 6% state sales tax); Eugene under Oregon's (a top state income tax rate of 9.90% and no state sales tax).

Annapolis vs Eugene Cost of Living 2026

Annapolis

Maryland

$1,820/mo est.

Eugene

Oregon

$1,260/mo est.

Monthly estimate = 1BR rent + electricity + gas

A one-person monthly baseline (1BR rent plus typical utilities) runs $1,820 in Annapolis, MD versus $1,260 in Eugene, OR. Overall, Eugene, OR is roughly 31% cheaper to live in day-to-day than Annapolis, MD, driven mainly by rent.

Median household income is $104,257 in Annapolis, MD and $63,836 in Eugene, OR — about 39% higher in Annapolis, MD. Maryland has a top state income tax rate of 6.50% and a 6% state sales tax; Oregon has a top state income tax rate of 9.90% and no state sales tax.

Annapolis, MD

Eugene, OR

Rent

Studio

$1,239

$1,011

+18% in Annapolis, MD

1 Bedroom

$1,598

$1,080

+32% in Annapolis, MD

2 Bedroom

$1,864

$1,411

+24% in Annapolis, MD

3 Bedroom

$2,232

$1,674

+25% in Annapolis, MD

Buying a Home

Median Home Value

$510,200

$435,400

+15% in Annapolis, MD

Income

Median Household Income

$104,257

$63,836

+39% in Annapolis, MD

Metro Median Wage (annual)

$59,070

$49,680

+16% in Annapolis, MD

People & Lifestyle

Median Age

40.9 yr

35.4 yr

+5.5 yr in Annapolis, MD

Homeownership

59.8%

47.6%

+12.2 pp in Annapolis, MD

Bachelor's+ (25+)

53.7%

44.2%

+9.5 pp in Annapolis, MD

Avg Commute

28.7 min

18.6 min

+10.1 min in Annapolis, MD

Crime (per 100k/yr)

Violent Crime

806

319.6

+60% in Annapolis, MD

Property Crime

2,111.5

3,348.9

+59% in Eugene, OR

FBI Crime Data Explorer. Offenses per 100,000 residents per year; agency reporting practices vary, so this is approximate.

Climate

Avg Annual Temperature

57.1°F

52.5°F

+4.6°F in Annapolis, MD

Annual Precipitation

—

46.1 in

Gas

Regular Gasoline

$3.86/gal

$5.09/gal

+32% in Eugene, OR

Area: East Coast (PADD 1) vs West Coast (PADD 5).

Utilities

Electricity (¢/kWh)

21.8

16.3

+25% in Annapolis, MD

Natural Gas ($/MCF)

$18.94

$20.59

+9% in Eugene, OR

Residential, state-level averages (EIA). MCF = 1,000 cubic feet.

Groceries

Milk (gal)

$4.00

$4.82

+20% in Eugene, OR

Bread (lb)

$1.75

$2.04

+17% in Eugene, OR

Eggs (doz)

$2.21

$2.19

+1% in Annapolis, MD

Ground Beef (lb)

$6.45

$7.36

+14% in Eugene, OR

Chicken (lb)

$1.90

$2.01

+6% in Eugene, OR

Bananas (lb)

$0.62

$0.70

+14% in Eugene, OR

Average prices — South vs West (BLS). Regional where available, otherwise U.S. average.

State Taxes

Sales Tax (MD / OR)

None

+6.0 pp in MD

Income Tax (top rate)

6.50%

9.90%

+3.4 pp in OR

Annapolis vs Eugene — FAQ

Is it cheaper to live in Annapolis or Eugene?: Eugene, OR is cheaper. Its monthly baseline of $1,260 (1BR rent + utilities) runs about 31% below Annapolis, MD's $1,820, mainly because of rent.
How much more do you need to earn to live in Annapolis than in Eugene?: To keep rent near the recommended 30% of gross income, you'd want to earn roughly $64,000 a year in Annapolis versus $43,000 in Eugene.
Which has lower taxes, Annapolis or Eugene?: Annapolis is taxed under Maryland's rules (a top state income tax rate of 6.50% and a 6% state sales tax); Eugene under Oregon's (a top state income tax rate of 9.90% and no state sales tax).

Sources: US Census Bureau, ACS 5-Year (rent, income, home value, demographics); NOAA Climate Normals 1981–2010 (climate); EIA weekly retail (gas); Tax Foundation 2026 (state taxes).