Cambridge, MD vs Rutland, VT: Cost of Living

Which city costs less?

Rutland, VT has a modeled overall cost index 21.9% lower than Cambridge, MD.

Cambridge, MD · modeled 2BR rent: $1,120 / month
Rutland, VT · modeled 2BR rent: $1,310 / 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 Cambridge, MD and Rutland, VT 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 Cambridge, MD

Numbers update automatically as you type

Estimated savings: $1,626/month in Rutland, VT

$150,000 in your current city has a modeled equivalent of $130,484 in Rutland, VT

Regional cost estimates: Cambridge, MD uses Washington, DC. Rutland, VT uses Boston, MA. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 21.9%

Less expensive

Monthly Impact

$1,626

Savings

Annual Impact

$19.5K

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.

Cambridge, MD

Population:13K

Cost Index:

123.9

100 = national average

Typical Home:$261K

Rutland, VT

Population:16K

Cost Index:

96.8

100 = national average

Typical Home:$274K

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Cambridge, MD

The Old Line State

13K

Population

State Tax

Yes

Located in Maryland, this city has a population of 13K residents.

Rutland, VT

The Green Mountain State

16K

Population

State Tax

Yes

Located in Vermont, this city has a population of 16K residents.

Cost Breakdown by Category

Estimated monthly spending: Cambridge, MD vs Rutland, VT

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	Cambridge, MD	Rutland, VT	Difference	Change
Housing	$3,566/mo	$2,414/mo	↓ $1,152less	32.3%
Transportation	$1,202/mo	$931/mo	↓ $272less	22.6%
Other	$1,164/mo	$928/mo	↓ $236less	20.3%
All Utilities	$359/mo	$452/mo	↑ $92.49more	25.8%
Groceries	$763/mo	$681/mo	↓ $81.75less	10.7%
Healthcare	$447/mo	$469/mo	↑ $22.48more	5.0%

Housing

↓ 32.3%

Cambridge, MD

$3,566

Rutland, VT

$2,414

Difference

$1,152

less

Transportation

↓ 22.6%

Cambridge, MD

$1,202

Rutland, VT

$931

Difference

$272

less

Other

↓ 20.3%

Cambridge, MD

$1,164

Rutland, VT

$928

Difference

$236

less

All Utilities

↑ 25.8%

Cambridge, MD

$359

Rutland, VT

$452

Difference

$92.49

Groceries

↓ 10.7%

Cambridge, MD

$763

Rutland, VT

$681

Difference

$81.75

less

Healthcare

↑ 5.0%

Cambridge, MD

$447

Rutland, VT

$469

Difference

$22.48

🏠Rent Comparison

Studio

From$930

To$990

↑ $60.00

1 Bed

From$930

To$1,000

↑ $70.00

2 Bed

From$1,120

To$1,310

↑ $190

3 Bed

From$1,560

To$1,600

↑ $40.00

Cambridge, MDZIP-level data

1BR range: $930–$930/mo

Rutland, VTZIP-level data

1BR range: $1,000–$1,000/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 Cambridge, MD

$5,874

Monthly in Rutland, VT

$1,626

Difference

Home Values

Cambridge

Rutland

$261K

Median Value

$274K

↓ -0.1%

YoY Change

↑ +6.2%

↑ +30.8%

5-Year Change

↑ +43.7%

Homes in Rutland are 5% more expensive than Cambridge

Calculate payment - Cambridge Calculate payment - Rutland

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $1.8K

More taxes

Monthly Difference

$151

Less take-home

Effective Rate Diff

1.2%

Rate difference

Cambridge, 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

Rutland, VT

Federal Income Tax

Effective: 18.9%

$25.5K

Vermont State Tax

Effective: 6.1%

$9.1K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.7%

$46.1K

Take-Home Pay

$8,659/month

$103.9K

Additional Tax Information

Cambridge, MD Tax Rates

Sales Tax:6.0%

Property Tax:1.1%

Rutland, VT Tax Rates

Sales Tax:7.1%

Property Tax:1.9%

💡 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

Cambridge

Rutland

45 Good

Air Quality

36 Good

63.7%

Good Air Days

79.5%

98 High

Climate Risk

94 Moderate

🌊🌀🌡

Top Hazards

🌊🌅🌀

▲+2.9°F

2050 Outlook

▲+2.5°F

27 days

Heat Days >95°F

6 days

▲+2.9°F

2050 Outlook

▲+2.5°F

27 days

Heat Days >95°F

6 days

Before moving from Cambridge, MD to Rutland, VT

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

Compare actual homes. Get current quotes in Rutland, VT for the same bedroom count and included utilities as your home in Cambridge, 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 Cambridge to Rutland moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Cambridge, MD vs Rutland, VT

How do the cost estimates for Cambridge, MD and Rutland, VT compare?

Rutland, VT has a modeled overall cost index 21.9% lower than Cambridge, 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 Cambridge, MD, the model estimates $130,484 in Rutland, VT. 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 Cambridge, MD and Rutland, VT?

The modeled two-bedroom rents are $1,120/month in Cambridge, MD and $1,310/month in Rutland, VT. 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 Vermont on TaxTakeHome.com