Elkton, MD vs Cohoes, NY: Cost of Living

Which city costs less?

Cohoes, NY has a modeled overall cost index 2.2% higher than Elkton, MD.

Elkton, MD · modeled 2BR rent: $1,820 / month
Cohoes, NY · modeled 2BR rent: $1,820 / 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

Adjust your income and compare the budget ↓

Tap to swap

Cost of Living Comparison 2026

Compare Elkton, MD and Cohoes, 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 Elkton, MD

Numbers update automatically as you type

Estimated extra cost: $338/month in Cohoes, NY

$150,000 in your current city has a modeled equivalent of $154,055 in Cohoes, NY

Regional cost estimates: Elkton, MD uses Philadelphia, PA. Cohoes, NY uses Boston, MA. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 2.2%

More expensive

Monthly Impact

$338

Extra cost

Annual Impact

$4.1K

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.

Elkton, MD

Population:16K

Cost Index:

92.4

100 = national average

Typical Home:$361K

Cohoes, NY

Population:18K

Cost Index:

94.5

100 = national average

Typical Home:$321K

Planning the move to Cohoes?

Organize packing, address changes, and moving-day tasks with a free checklist. Your progress saves in this browser. No account needed.

Plan my move with the free checklist

Elkton, MD

The Old Line State

16K

Population

State Tax

Yes

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

Cohoes, NY

The Empire State

18K

Population

State Tax

Yes

Located in New York, this city has a population of 18K residents.

Cost Breakdown by Category

Estimated monthly spending: Elkton, MD vs Cohoes, 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	Elkton, MD	Cohoes, NY	Difference	Change
Housing	$2,027/mo	$3,210/mo	↑ $1,184more	58.4%
Other	$1,728/mo	$1,234/mo	↓ $494less	28.6%
Groceries	$1,125/mo	$917/mo	↓ $209less	18.6%
Transportation	$1,383/mo	$1,238/mo	↓ $146less	10.5%
Healthcare	$619/mo	$631/mo	↑ $12.64more	2.0%
All Utilities	$618/mo	$608/mo	↓ $10.20less	1.7%

Housing

↑ 58.4%

Elkton, MD

$2,027

Cohoes, NY

$3,210

Difference

$1,184

Other

↓ 28.6%

Elkton, MD

$1,728

Cohoes, NY

$1,234

Difference

$494

less

Groceries

↓ 18.6%

Elkton, MD

$1,125

Cohoes, NY

$917

Difference

$209

less

Transportation

↓ 10.5%

Elkton, MD

$1,383

Cohoes, NY

$1,238

Difference

$146

less

Healthcare

↑ 2.0%

Elkton, MD

$619

Cohoes, NY

$631

Difference

$12.64

All Utilities

↓ 1.7%

Elkton, MD

$618

Cohoes, NY

$608

Difference

$10.20

less

🏠Rent Comparison

Studio

From$1,400

To$1,300

↓ $100

1 Bed

From$1,530

To$1,510

↓ $20.00

2 Bed

From$1,820

To$1,820

→ $0

3 Bed

From$2,180

To$2,180

→ $0

Elkton, MDZIP-level data

1BR range: $1,530–$1,530/mo

Cohoes, NYZIP-level data

1BR range: $1,510–$1,510/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 Elkton, MD

$7,838

Monthly in Cohoes, NY

$338

Difference

Home Values

Elkton

Cohoes

$361K

Median Value

$321K

↑ +1.2%

YoY Change

↑ +2.6%

↑ +29.9%

5-Year Change

↑ +37%

Homes in Cohoes are 11% less expensive than Elkton

Calculate payment - Elkton Calculate payment - Cohoes

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

Elkton, 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

Cohoes, 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

Elkton, MD Tax Rates

Sales Tax:6.0%

Property Tax:1.1%

Cohoes, 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

Elkton

Cohoes

52 Moderate

Air Quality

36 Good

47.3%

Good Air Days

79.5%

100 Very High

Climate Risk

94 Moderate

🌊🌅🌀

Top Hazards

🌊🌅🌀

▲+2.9°F

2050 Outlook

▲+2.5°F

22 days

Heat Days >95°F

6 days

▲+2.9°F

2050 Outlook

▲+2.5°F

22 days

Heat Days >95°F

6 days

Before moving from Elkton, MD to Cohoes, NY

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

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

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

Frequently Asked Questions: Elkton, MD vs Cohoes, NY

How do the cost estimates for Elkton, MD and Cohoes, NY compare?

Cohoes, NY has a modeled overall cost index 2.2% higher than Elkton, 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 Elkton, MD, the model estimates $154,055 in Cohoes, 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 Elkton, MD and Cohoes, NY?

The modeled two-bedroom rents are $1,820/month in Elkton, MD and $1,820/month in Cohoes, 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