Annapolis, MD vs Freeport, NY: Cost of Living

Which city costs less?

Freeport, NY has a modeled overall cost index 49.1% higher than Annapolis, MD.

Annapolis, MD · modeled 2BR rent: $2,230 / month
Freeport, NY · modeled 2BR rent: $2,510 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Annapolis, MD and Freeport, NY using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Annapolis, MD

Numbers update automatically as you type

Estimated extra cost: $3,726/month in Freeport, NY

$150,000 in your current city has a modeled equivalent of $194,715 in Freeport, NY

Regional cost estimates: Annapolis, MD uses Baltimore, MD. Freeport, NY uses New York, NY. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 49.1%

More expensive

Monthly Impact

$3,726

Extra cost

Annual Impact

$44.7K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Annapolis, MD

Population:41K

Cost Index:

99.9

100 = national average

Typical Home:$595K

Freeport, NY

Population:44K

Cost Index:

148.8

100 = national average

Typical Home:$642K

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Annapolis, MD

The Old Line State

41K

Population

State Tax

Yes

Located in Maryland, this city has a population of 41K residents.

Freeport, NY

The Empire State

44K

Population

State Tax

Yes

Located in New York, this city has a population of 44K residents.

Cost Breakdown by Category

Estimated monthly spending: Annapolis, MD vs Freeport, NY

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Annapolis, MD	Freeport, NY	Difference	Change
Housing	$2,552/mo	$5,887/mo	↑ $3,335more	130.7%
Other	$1,553/mo	$1,740/mo	↑ $187more	12.0%
Transportation	$1,255/mo	$1,370/mo	↑ $116more	9.2%
Healthcare	$551/mo	$625/mo	↑ $73.43more	13.3%
Groceries	$1,021/mo	$1,059/mo	↑ $38.20more	3.7%
All Utilities	$568/mo	$545/mo	↓ $23.11less	4.1%

Housing

↑ 130.7%

Annapolis, MD

$2,552

Freeport, NY

$5,887

Difference

$3,335

Other

↑ 12.0%

Annapolis, MD

$1,553

Freeport, NY

$1,740

Difference

$187

Transportation

↑ 9.2%

Annapolis, MD

$1,255

Freeport, NY

$1,370

Difference

$116

Healthcare

↑ 13.3%

Annapolis, MD

$551

Freeport, NY

$625

Difference

$73.43

Groceries

↑ 3.7%

Annapolis, MD

$1,021

Freeport, NY

$1,059

Difference

$38.20

All Utilities

↓ 4.1%

Annapolis, MD

$568

Freeport, NY

$545

Difference

$23.11

less

🏛️ Local Income Taxes

Annapolis, MD: Anne Arundel County Income Tax$3,840/yr (2.6%)

Freeport, NY has no local income tax recorded in this dataset.

Local taxes are shown separately and are not included in the living-cost totals. Coverage is incomplete; an absent entry does not establish that no tax applies.

🏠Rent Comparison

Studio

From$1,640

To$1,820

↑ $180

1 Bed

From$1,810

To$2,170

↑ $360

2 Bed

From$2,230

To$2,510

↑ $280

3 Bed

From$2,830

To$3,260

↑ $430

Annapolis, MDZIP-level data

1BR range: $1,810–$1,810/mo

Freeport, NYZIP-level data

1BR range: $2,170–$2,170/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Annapolis, MD

$11,226

Monthly in Freeport, NY

$3,726

Difference

Home Values

Annapolis

Freeport

$595K

Median Value

$642K

↑ +1.7%

YoY Change

↑ +3.2%

↑ +28.4%

5-Year Change

↑ +34.1%

Homes in Freeport are 8% more expensive than Annapolis

Calculate payment - Annapolis Calculate payment - Freeport

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $2.3K

More taxes

Monthly Difference

$190

Less take-home

Effective Rate Diff

1.5%

Rate difference

Annapolis, MD

Federal Income Tax

Effective: 18.9%

$25.5K

Maryland State Tax

Effective: 4.8%

$7.3K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.5%

$44.3K

Take-Home Pay

$8,811/month

$105.7K

Freeport, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

Additional Tax Information

Annapolis, MD Tax Rates

Sales Tax:6.0%

Property Tax:1.1%

Freeport, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Annapolis

Freeport

45 Good

Air Quality

43 Good

65.6%

Good Air Days

65.8%

95 High

Climate Risk

99 High

🌊🌡🌪

Top Hazards

🌊🌀🌡

▲+3.0°F

2050 Outlook

▲+2.7°F

30 days

Heat Days >95°F

11 days

▲+3.0°F

2050 Outlook

▲+2.7°F

30 days

Heat Days >95°F

11 days

Before moving from Annapolis, MD to Freeport, NY

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Freeport, NY for the same bedroom count and included utilities as your home in Annapolis, MD. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Annapolis to Freeport moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Freeport, NY by cost, housing, population and region.

Frequently Asked Questions: Annapolis, MD vs Freeport, NY

How do the cost estimates for Annapolis, MD and Freeport, NY compare?

Freeport, NY has a modeled overall cost index 49.1% higher than Annapolis, MD. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Annapolis, MD, the model estimates $194,715 in Freeport, NY. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Annapolis, MD and Freeport, NY?

The modeled two-bedroom rents are $2,230/month in Annapolis, MD and $2,510/month in Freeport, NY. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Maryland and New York on TaxTakeHome.com