Is it cheaper to live in Baltimore or Sacramento?

Baltimore, MD is cheaper. Its monthly baseline of $1,410 (1BR rent + utilities) runs about 19% below Sacramento, CA's $1,740, mainly because of rent.

How much more do you need to earn to live in Baltimore than in Sacramento?

To keep rent near the recommended 30% of gross income, you'd want to earn roughly $43,000 a year in Baltimore versus $57,000 in Sacramento.

Which has lower taxes, Baltimore or Sacramento?

Baltimore is taxed under Maryland's rules (a top state income tax rate of 6.50% and a 6% state sales tax); Sacramento under California's (a top state income tax rate of 13.30% and a 7.25% state sales tax).

Baltimore vs Sacramento Cost of Living 2026

Baltimore

Maryland

$1,410/mo est.

Sacramento

California

$1,740/mo est.

Monthly estimate = 1BR rent + electricity + gas

A one-person monthly baseline (1BR rent plus typical utilities) runs $1,410 in Baltimore, MD versus $1,740 in Sacramento, CA. Overall, Baltimore, MD is roughly 19% cheaper to live in day-to-day than Sacramento, CA, driven mainly by rent.

Median household income is $59,623 in Baltimore, MD and $83,753 in Sacramento, CA — about 29% higher in Sacramento, CA. Maryland has a top state income tax rate of 6.50% and a 6% state sales tax; California has a top state income tax rate of 13.30% and a 7.25% state sales tax.

Baltimore, MD

Sacramento, CA

Rent

Studio

$1,050

$1,259

+20% in Sacramento, CA

1 Bedroom

$1,073

$1,418

+32% in Sacramento, CA

2 Bedroom

$1,353

$1,742

+29% in Sacramento, CA

3 Bedroom

$1,555

$1,973

+27% in Sacramento, CA

Buying a Home

Median Home Value

$219,300

$484,600

+121% in Sacramento, CA

Income

Median Household Income

$59,623

$83,753

+40% in Sacramento, CA

Metro Median Wage (annual)

$59,070

$59,750

+1% in Sacramento, CA

People & Lifestyle

Median Age

36.1 yr

35.7 yr

+0.4 yr in Baltimore, MD

Homeownership

47.5%

51.5%

+4.0 pp in Sacramento, CA

Bachelor's+ (25+)

35.4%

36.4%

+1.0 pp in Sacramento, CA

Avg Commute

29.4 min

25.6 min

+3.8 min in Baltimore, MD

Crime (per 100k/yr)

Violent Crime

1,616.7

757.2

+53% in Baltimore, MD

Property Crime

4,202.6

2,615.3

+38% in Baltimore, MD

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

Climate

Avg Annual Temperature

61.4°F

61.0°F

+0.4°F in Baltimore, MD

Annual Precipitation

42.4 in

18.5 in

+23.9 in in Baltimore, MD

Gas

Regular Gasoline

$4.30/gal

$5.91/gal

+37% in Sacramento, CA

Area: East Coast (PADD 1) vs California.

Public Transit

Base Fare (one-way)

$2.00

$2.50

+25% in Sacramento, CA

Adult base one-way fare — MTA Maryland vs SacRT (2026).

Utilities

Electricity (¢/kWh)

35.9

33.4

+7% in Baltimore, MD

Natural Gas ($/MCF)

$17.19

$20.72

+21% in Sacramento, CA

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

Groceries

Milk (gal)

$4.16

$4.37

+5% in Sacramento, CA

Bread (lb)

$1.73

$2.10

+21% in Sacramento, CA

Eggs (doz)

$2.19

$2.25

+3% in Sacramento, CA

Ground Beef (lb)

$6.56

$7.23

+10% in Sacramento, CA

Chicken (lb)

$1.90

$2.14

+12% in Sacramento, CA

Bananas (lb)

$0.61

$0.74

+21% in Sacramento, CA

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

State Taxes

Sales Tax (MD / CA)

7.25%

+1.3 pp in CA

Income Tax (top rate)

6.50%

13.30%

+6.8 pp in CA

Baltimore vs Sacramento — FAQ

Is it cheaper to live in Baltimore or Sacramento?: Baltimore, MD is cheaper. Its monthly baseline of $1,410 (1BR rent + utilities) runs about 19% below Sacramento, CA's $1,740, mainly because of rent.
How much more do you need to earn to live in Baltimore than in Sacramento?: To keep rent near the recommended 30% of gross income, you'd want to earn roughly $43,000 a year in Baltimore versus $57,000 in Sacramento.
Which has lower taxes, Baltimore or Sacramento?: Baltimore is taxed under Maryland's rules (a top state income tax rate of 6.50% and a 6% state sales tax); Sacramento under California's (a top state income tax rate of 13.30% and a 7.25% 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).