City Comparison
Philadelphia vs Baltimore
Take-home pay, tax burden, and cost of living side-by-side. 2026 tax brackets.
Pennsylvania
Philadelphia
- Net on $110,000
- $78,269
- Effective rate
- 28.8%
- COL index
- 102
- Buying power
- $76,734
Maryland
Baltimore
- Net on $110,000
- $77,054
- Effective rate
- 30.0%
- COL index
- 106
- Buying power
- $72,692
On a $110,000 salary, the raw take-home gap is $1,216, but once you adjust for cost of living the effective buying-power gap is $4,042. To match Philadelphia's lifestyle at $110,000, you'd need to earn roughly $116,117 in Baltimore.
Comparison at different salary levels
Single filer, biweekly pay, standard deduction. Local tax applied where relevant.
| Gross salary | Philadelphia net | Baltimore net | Equivalent in Baltimore |
|---|---|---|---|
| $60,000 | $46,157 | $45,531 | $63,210 |
| $85,000 | $62,387 | $61,479 | $89,638 |
| $110,000 | $78,269 | $77,054 | $116,117 |
| $150,000 | $103,048 | $101,218 | $158,701 |
"Equivalent in Baltimore" = the gross salary you'd need to earn in Baltimore to match the after-tax, after-COL buying power of the left-column salary in Philadelphia.
See individual city breakdowns
Frequently asked questions
Is it cheaper to live in Philadelphia or Baltimore? ▾
Philadelphia is modestly cheaper — COL index of 102 vs 106 (US average = 100). That gap comes mostly from housing; groceries and utilities usually differ by less than the headline COL number suggests.
If I earn $110,000 in Philadelphia, what do I need in Baltimore to match? ▾
To match the same after-tax buying power you'd get from $110,000 in Philadelphia, you'd need to earn about $116,117 gross in Baltimore. That accounts for both the tax difference and the cost-of-living gap.
Which city has lower taxes on a $110,000 salary? ▾
At $110,000, Philadelphia has an effective total tax rate of 28.8% vs 30.0% in Baltimore. That works out to a tax difference of about $1,216 per year.
Does the 'cheaper' city actually leave you better off? ▾
Not always. Raw net pay matters, but so does what that money buys. When we adjust for cost of living, Philadelphia leaves you with about $76,734 of equivalent buying power at $110,000 — compared to $72,692 in the other.