Maryland vs Rhode Island Cost of Living
Purchasing power
Your $75,000 is worth different amounts in each state
$63,884
in Maryland
$67,751
in Rhode Island
Each cell = 1% of purchasing power. Green = value, red = gap.
Spending breakdown
Estimated annual spending on a $75,000 salary
What things actually cost
Real dollar costs side by side
Category breakdown
| Category | Maryland | Rhode Island | Difference |
|---|---|---|---|
| Housing | 141.3 | 115.1 | +23% |
| Groceries | 105.4 | 101.4 | +4% |
| Utilities | 114.2 | 131.6 | -13% |
| Transportation | 100.7 | 99.7 | +1% |
| Healthcare | 106.6 | 100.8 | +6% |
| Dining & Misc | 108.4 | 110.0 | -1% |
| Overall | 117.4 | 110.7 | +6% |
Index values relative to national average (100). Positive difference = more expensive in Maryland.
What things actually cost
| Item | Maryland | Rhode Island | Difference |
|---|---|---|---|
| Median home price | $420,000 | $440,000 | $20,000 |
| Average 2BR rent | $1,978/mo | $1,611/mo | +$367 |
| Gas price | $3.50/gal | $3.40/gal | +$0.10 |
| Electric bill | $133/mo | $214/mo | $81 |
| Infant childcare | $18,946/yr | $16,758/yr | +$2,188 |
Salary equivalent: Maryland → Rhode Island
What a Maryland salary buys you in Rhode Island, adjusted for cost of living.
| Salary in Maryland | Equivalent in Rhode Island | Difference |
|---|---|---|
| $50,000 | $47,147 | +$2,853 |
| $75,000 | $70,720 | +$4,280 |
| $100,000 | $94,293 | +$5,707 |
| $150,000 | $141,440 | +$8,560 |
| $200,000 | $188,586 | +$11,414 |
Positive = your money goes further in Rhode Island. Based on overall COL index ratio.
Based on MERIC/C2ER 2025 composite indices. Dollar amounts from AAA, EIA, Zillow, and Child Care Aware.
Overview
Maryland is 6% more expensive than Rhode Island overall. Maryland has an index of 117.4 vs 110.7 for Rhode Island (national average = 100).
FAQ
Is it cheaper to live in Maryland or Rhode Island?
Rhode Island is cheaper to live in. Maryland is 6% more expensive overall. The biggest driver is housing — median home prices are $420,000 in Maryland vs $440,000 in Rhode Island.
Is Rhode Island cheaper than Maryland?
Yes, Rhode Island is 6% cheaper than Maryland overall based on the MERIC/C2ER cost-of-living index. Housing, groceries, and utilities all factor into the difference.
Is Maryland more expensive than Rhode Island?
Yes, Maryland is 6% more expensive than Rhode Island based on the MERIC/C2ER composite index. Housing is typically the largest factor in the difference.
What salary in Rhode Island equals $100,000 in Maryland?
To maintain the same purchasing power as a $100,000 salary in Maryland, you would need approximately $94,293 in Rhode Island. This is based on the overall cost-of-living index (117.4 vs 110.7).
How do housing costs compare between Maryland and Rhode Island?
Housing is significantly cheaper in Maryland. Median home prices are $420,000 in Maryland vs $440,000 in Rhode Island — a $20,000 difference. Average 2-bedroom rent is $1,978/mo vs $1,611/mo.
What costs more in Maryland vs Rhode Island?
Housing is 23% higher in Maryland (index 141.3 vs 115.1). Utilities is 13% lower in Maryland (index 114.2 vs 131.6). Healthcare is 6% higher in Maryland (index 106.6 vs 100.8).
Is gas cheaper in Maryland or Rhode Island?
Gas averages $3.50/gallon in Maryland and $3.40/gallon in Rhode Island — a $0.10 difference per gallon.
Maryland vs Rhode Island cost of living — how do they compare?
Maryland has an overall cost-of-living index of 117.4 and Rhode Island has 110.7 (national average = 100). Maryland is 6% more expensive overall. Use the calculator above to see how this affects your specific salary.
How do taxes compare between Maryland and Rhode Island?
Cost of living is only part of the picture — state income taxes also affect your take-home pay. Maryland has a progressive state income tax plus local county income taxes that add 2.25% to 3.20%. Rhode Island has a progressive income tax with a top rate of 5.99% on income above $166,950. Use the Maryland vs Rhode Island paycheck comparison to see how a specific salary compares after federal and state taxes, FICA, and deductions.
Do I need to file state tax returns in Maryland and Rhode Island?
Maryland requires residents to file a state income tax return annually, typically due April 15. Rhode Island requires residents to file a state income tax return annually, typically due April 15. If you move between states mid-year, you typically file a part-year resident return in each state for the income earned while living there.
Where does this cost of living data come from?
Cost-of-living indices are from the MERIC/C2ER 2025 Annual Average. Dollar amounts use AAA gas prices (March 2025), EIA electricity rates (2024), Child Care Aware childcare costs (2024), Zillow home values (2024-2025), and BEA Regional Price Parities.
Related tools
- Maryland Cost of Living — Housing, groceries, gas, and more
- Rhode Island Cost of Living — Housing, groceries, gas, and more
- Maryland vs Rhode Island Paycheck Comparison — Compare take-home pay after taxes
- House Affordability in Maryland — How much house can you afford?
- House Affordability in Rhode Island — How much house can you afford?
- Maryland Tax Brackets — See 2026 marginal rates
- Rhode Island Tax Brackets — See 2026 marginal rates
- Maryland Mortgage Calculator — Estimate monthly payments with local rates
- Rhode Island Mortgage Calculator — Estimate monthly payments with local rates
- Maryland Bonus Tax Calculator — See how bonuses are taxed differently
- Rhode Island Bonus Tax Calculator — See how bonuses are taxed differently
- Gross-Up Calculator — Find the salary you need to hit a target take-home
- Salary to Hourly Converter — Convert annual salary to hourly rate
- Compare any two states
Based on MERIC/C2ER 2025 composite indices and publicly available price data. Cost of living varies significantly by metro area within a state. These are statewide averages.