Living Cost Compare
Annapolis

Maryland

$1,820/mo est.

vs
Springfield

Missouri

$940/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 $940 in Springfield, MO. Overall, Springfield, MO is roughly 48% cheaper to live in day-to-day than Annapolis, MD, driven mainly by rent.

Median household income is $104,257 in Annapolis, MD and $45,984 in Springfield, MO — about 56% higher in Annapolis, MD. Maryland has a top state income tax rate of 6.50% and a 6% state sales tax; Missouri has a top state income tax rate of 4.70% and a 4.225% state sales tax.

Annapolis, MD
Springfield, MO

Rent

Studio
$1,239
$760
+39% in Annapolis, MD
1 Bedroom
$1,598
$772
+52% in Annapolis, MD
2 Bedroom
$1,864
$926
+50% in Annapolis, MD
3 Bedroom
$2,232
$1,158
+48% in Annapolis, MD

Buying a Home

Median Home Value
$510,200
$165,200
+68% in Annapolis, MD

Income

Median Household Income
$104,257
$45,984
+56% in Annapolis, MD
Metro Median Wage (annual)
$59,070
$45,780
+22% in Annapolis, MD

People & Lifestyle

Median Age
40.9 yr
33.6 yr
+7.3 yr in Annapolis, MD
Homeownership
59.8%
42.9%
+16.9 pp in Annapolis, MD
Bachelor's+ (25+)
53.7%
30.3%
+23.4 pp in Annapolis, MD
Avg Commute
28.7 min
18.0 min
+10.7 min in Annapolis, MD

Crime (per 100k/yr)

Violent Crime
806
1,189.8
+48% in Springfield, MO
Property Crime
2,111.5
4,231.6
+100% in Springfield, MO

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
56.3°F
+0.8°F in Annapolis, MD
Annual Precipitation
—
45.6 in

Gas

Regular Gasoline
$3.86/gal
$3.94/gal
+2% in Springfield, MO

Area: East Coast (PADD 1) vs Midwest (PADD 2).

Utilities

Electricity (¢/kWh)
21.8
13.7
+37% in Annapolis, MD
Natural Gas ($/MCF)
$18.94
$24.13
+27% in Springfield, MO

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

Groceries

Milk (gal)
$4.00
$4.31
+8% in Springfield, MO
Bread (lb)
$1.75
$1.66
+5% in Annapolis, MD
Eggs (doz)
$2.21
$3.63
+64% in Springfield, MO
Ground Beef (lb)
$6.45
$6.77
+5% in Springfield, MO
Chicken (lb)
$1.90
$2.10
+10% in Springfield, MO
Bananas (lb)
$0.62
$0.62
about equal

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

State Taxes

Sales Tax (MD / MO)
6%
4.225%
+1.8 pp in MD
Income Tax (top rate)
6.50%
4.70%
+1.8 pp in MD

Annapolis vs Springfield — FAQ

Is it cheaper to live in Annapolis or Springfield?
Springfield, MO is cheaper. Its monthly baseline of $940 (1BR rent + utilities) runs about 48% below Annapolis, MD's $1,820, mainly because of rent.
How much more do you need to earn to live in Annapolis than in Springfield?
To keep rent near the recommended 30% of gross income, you'd want to earn roughly $64,000 a year in Annapolis versus $31,000 in Springfield.
Which has lower taxes, Annapolis or Springfield?
Annapolis is taxed under Maryland's rules (a top state income tax rate of 6.50% and a 6% state sales tax); Springfield under Missouri's (a top state income tax rate of 4.70% and a 4.225% 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).