Quick answer
Pennsylvania has lower average 1BR rent ($1,540/mo vs $1,550/mo). State income tax: Pennsylvania (3.07%) vs Maryland (Up to 5.75%) — on a $120K salary that's $3,216/year difference.
State Comparison · 2026
Maryland vs Pennsylvania
Side-by-side on state income tax, rent, home prices, climate, and top metros — with specific dollar numbers for every claim.
Last updated: April 23, 2026
Maryland vs Pennsylvania at a Glance
| Metric | Maryland | Pennsylvania |
|---|---|---|
| Avg 1BR rent (major metros) | $1,550 | $1,540 ✓ |
| Avg median home price | $315K | $253K ✓ |
| Cheapest city | Baltimore ($1,550) | Pittsburgh ($1,280) ✓ |
| Priciest city | Baltimore ($1,550) | Philadelphia ($1,800) |
| State income tax | Up to 5.75% | 3.07% ✓ |
| Avg walkability | 68/100 | 71/100 ✓ |
| Cities tracked | 1 | 2 |
✓ marks the lower or more favorable value. Averages use the major metros we track in each state.
State Income Tax: Real Savings
What the rate gap actually looks like in your paycheck. Lower rate: Pennsylvania (3.07%).
Salary $80K
$2,144
/year saved in Pennsylvania
Salary $120K
$3,216
/year saved in Pennsylvania
Salary $200K
$5,360
/year saved in Pennsylvania
Calculation uses the effective state rate difference × gross salary. Doesn't include property tax, sales tax, or federal impact.
Deep Dive: Each State
Maryland (MD)
Tax reality
Maryland has a progressive state income tax up to 5.75% plus a local county tax (1.75-3.2% depending on county — Montgomery County is 3.2%). Combined state+local top rate is around 9% for high earners in DC suburbs. Property tax is moderate (~1.1% effective). No estate tax below $5M.
Top cities (1 tracked)
Top drawbacks
- ✕Maryland state + local income tax combined hits 9% for high earners in Montgomery County — among the highest in the US.
- ✕Baltimore city has real violent crime — top-5 US city for homicide per capita. Specific neighborhoods are safe; others have serious crime. Visitors and new residents should research neighborhoods carefully.
- ✕DC-suburb traffic is notorious — I-270, I-495 (Beltway), and US-29 are all regularly gridlocked. Metro Red Line offers an alternative for some commuters but has reliability issues.
Pennsylvania (PA)
Tax reality
Pennsylvania has a 3.07% flat state income tax — among the lowest in any income-tax state. No tax on retirement income (401k withdrawals, Social Security, pensions). Property tax varies widely by local school district — Philly suburbs can be 2%+, rural counties under 1%.
Top cities (2 tracked)
Top drawbacks
- ✕Winters in Pittsburgh and Philadelphia are real. Pittsburgh averages 41 inches of snow per year and stays overcast from November through April. Philadelphia is milder but still has freezing temps and 18-22 inches of average snowfall.
- ✕Philadelphia has ongoing public safety concerns in specific neighborhoods — Kensington in particular has a severe open-air drug market. Center City, South Philly, West Philly, and Northern Liberties are generally fine. Knowing neighborhoods matters.
- ✕School districts in Philly proper have struggled for decades. Suburban districts (Lower Merion, Tredyffrin-Easttown, Radnor) are among the best-funded in the US but come with $900K+ home prices.
Frequently Asked Questions
Is Maryland or Pennsylvania cheaper to live in?
Pennsylvania has lower average 1BR rent across major metros — $1,540/mo vs $1,550/mo in Maryland, a $10/mo difference. Home prices: Pennsylvania median is $253K vs $315K.
Maryland vs Pennsylvania: which has lower state income tax?
Pennsylvania has lower state income tax (3.07%) vs Up to 5.75% in Maryland. On an $80K salary that's $2,144/year in savings. On $200K, savings grow to $5,360/year.
Should I move from Maryland to Pennsylvania?
Maryland has a progressive state income tax up to 5.75% plus a local county tax (1.75-3.2% depending on county — Montgomery County is 3.2%). Combined state+local top rate is around 9% for high earners in DC suburbs. Property tax is moderate (~1.1% effective). No estate tax below $5M.
What are the best cities in Maryland vs Pennsylvania?
Maryland's largest metros include Baltimore. Pennsylvania's largest metros include Pittsburgh, Philadelphia. Cost of living varies significantly within each state — a Maryland suburb can be 40% cheaper than its flagship city, and vice versa.