Is it cheaper to live in Frederick or Long Beach?

Frederick, MD is cheaper. Its monthly baseline of $1,640 (1BR rent + utilities) runs about 16% below Long Beach, CA's $1,960, mainly because of rent.

How much more do you need to earn to live in Frederick than in Long Beach?

To keep rent near the recommended 30% of gross income, you'd want to earn roughly $57,000 a year in Frederick versus $65,000 in Long Beach.

Which has lower taxes, Frederick or Long Beach?

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

Frederick vs Long Beach Cost of Living 2026

Frederick

Maryland

$1,640/mo est.

Long Beach

California

$1,960/mo est.

Monthly estimate = 1BR rent + electricity + gas

A one-person monthly baseline (1BR rent plus typical utilities) runs $1,640 in Frederick, MD versus $1,960 in Long Beach, CA. Overall, Frederick, MD is roughly 16% cheaper to live in day-to-day than Long Beach, CA, driven mainly by rent.

Median household income is $95,150 in Frederick, MD and $83,969 in Long Beach, CA — about 12% higher in Frederick, MD. 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.

Frederick, MD

Long Beach, CA

Rent

Studio

$1,658

$1,447

+13% in Frederick, MD

1 Bedroom

$1,418

$1,634

+15% in Long Beach, CA

2 Bedroom

$1,661

$1,979

+19% in Long Beach, CA

3 Bedroom

$1,863

$2,360

+27% in Long Beach, CA

Buying a Home

Median Home Value

$365,200

$762,200

+109% in Long Beach, CA

Income

Median Household Income

$95,150

$83,969

+12% in Frederick, MD

Metro Median Wage (annual)

$71,060

$55,850

+21% in Frederick, MD

People & Lifestyle

Median Age

37.1 yr

36.8 yr

+0.3 yr in Frederick, MD

Homeownership

59.2%

40.9%

+18.3 pp in Frederick, MD

Bachelor's+ (25+)

41.8%

34.8%

+7.0 pp in Frederick, MD

Avg Commute

30.1 min

30.0 min

+0.1 min in Frederick, MD

Crime (per 100k/yr)

Violent Crime

406

690

+70% in Long Beach, CA

Property Crime

1,696.3

3,584.4

+111% in Long Beach, CA

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

Climate

Avg Annual Temperature

52.1°F

64.7°F

+12.6°F in Long Beach, CA

Annual Precipitation

—

12.3 in

Gas

Regular Gasoline

$3.86/gal

$5.40/gal

+40% in Long Beach, CA

Area: East Coast (PADD 1) vs Los Angeles.

Public Transit

Base Fare (one-way)

—

$1.25

Adult base one-way fare — — vs Long Beach Transit (2026).

Utilities

Electricity (¢/kWh)

21.8

33.3

+53% in Long Beach, CA

Natural Gas ($/MCF)

$18.94

$20.72

+9% in Long Beach, CA

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

Groceries

Milk (gal)

$4.00

$4.82

+20% in Long Beach, CA

Bread (lb)

$1.75

$2.04

+17% in Long Beach, CA

Eggs (doz)

$2.21

$2.19

+1% in Frederick, MD

Ground Beef (lb)

$6.45

$7.36

+14% in Long Beach, CA

Chicken (lb)

$1.90

$2.01

+6% in Long Beach, CA

Bananas (lb)

$0.62

$0.70

+14% in Long Beach, 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

Frederick vs Long Beach — FAQ

Is it cheaper to live in Frederick or Long Beach?: Frederick, MD is cheaper. Its monthly baseline of $1,640 (1BR rent + utilities) runs about 16% below Long Beach, CA's $1,960, mainly because of rent.
How much more do you need to earn to live in Frederick than in Long Beach?: To keep rent near the recommended 30% of gross income, you'd want to earn roughly $57,000 a year in Frederick versus $65,000 in Long Beach.
Which has lower taxes, Frederick or Long Beach?: Frederick is taxed under Maryland's rules (a top state income tax rate of 6.50% and a 6% state sales tax); Long Beach 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).