Keedysville, MD vs Valatie, NY: Cost of Living

Which city costs less?

Valatie, NY has a modeled overall cost index 27.8% lower than Keedysville, MD.

Keedysville, MD · modeled 2BR rent: $1,600 / month
Valatie, NY · modeled 2BR rent: $1,340 / 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 Keedysville, MD and Valatie, 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 Keedysville, MD

Numbers update automatically as you type

Estimated savings: $2,010/month in Valatie, NY

$150,000 in your current city has a modeled equivalent of $125,878 in Valatie, NY

Regional cost estimates: Keedysville, MD uses Washington, DC. Valatie, NY uses Jersey City, NJ. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 27.8%

Less expensive

Monthly Impact

$2,010

Savings

Annual Impact

$24.1K

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.

Keedysville, MD

Population:1K

Cost Index:

118.4

100 = national average

Typical Home:$447K

Valatie, NY

Population:2K

Cost Index:

85.5

100 = national average

Typical Home:$424K

Planning the move to Valatie?

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

Keedysville, MD

The Old Line State

Population

State Tax

Yes

Located in Maryland, this city has a population of 1K residents.

Valatie, NY

The Empire State

Population

State Tax

Yes

Located in New York, this city has a population of 2K residents.

Cost Breakdown by Category

Estimated monthly spending: Keedysville, MD vs Valatie, 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	Keedysville, MD	Valatie, NY	Difference	Change
Housing	$3,549/mo	$1,864/mo	↓ $1,684less	47.5%
Transportation	$1,197/mo	$891/mo	↓ $306less	25.6%
All Utilities	$365/mo	$401/mo	↑ $35.90more	9.8%
Groceries	$776/mo	$741/mo	↓ $35.41less	4.6%
Other	$1,158/mo	$1,129/mo	↓ $29.34less	2.5%
Healthcare	$455/mo	$463/mo	↑ $8.96more	2.0%

Housing

↓ 47.5%

Keedysville, MD

$3,549

Valatie, NY

$1,864

Difference

$1,684

less

Transportation

↓ 25.6%

Keedysville, MD

$1,197

Valatie, NY

$891

Difference

$306

less

All Utilities

↑ 9.8%

Keedysville, MD

$365

Valatie, NY

$401

Difference

$35.90

Groceries

↓ 4.6%

Keedysville, MD

$776

Valatie, NY

$741

Difference

$35.41

less

Other

↓ 2.5%

Keedysville, MD

$1,158

Valatie, NY

$1,129

Difference

$29.34

less

Healthcare

↑ 2.0%

Keedysville, MD

$455

Valatie, NY

$463

Difference

$8.96

🏠Rent Comparison

Studio

From$1,100

To$1,160

↑ $60.00

1 Bed

From$1,220

To$1,170

↓ $50.00

2 Bed

From$1,600

To$1,340

↓ $260

3 Bed

From$2,160

To$1,620

↓ $540

Keedysville, MDZIP-level data

1BR range: $1,220–$1,220/mo

Valatie, NYZIP-level data

1BR range: $1,170–$1,170/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 Keedysville, MD

$5,490

Monthly in Valatie, NY

$2,010

Difference

Home Values

Keedysville

Valatie

$447K

Median Value

$424K

↑ +3%

YoY Change

↑ +1.6%

↑ +31.1%

5-Year Change

↑ +40%

Homes in Valatie are 5% less expensive than Keedysville

Calculate payment - Keedysville Calculate payment - Valatie

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

Keedysville, 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

Valatie, 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

Keedysville, MD Tax Rates

Sales Tax:6.0%

Property Tax:1.1%

Valatie, 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

Keedysville

Valatie

45 Good

Air Quality

41 Good

63.7%

Good Air Days

71.3%

98 High

Climate Risk

97 High

🌊🌀🌡

Top Hazards

🌊🌅🌡

▲+2.9°F

2050 Outlook

▲+2.8°F

27 days

Heat Days >95°F

12 days

▲+2.9°F

2050 Outlook

▲+2.8°F

27 days

Heat Days >95°F

12 days

Before moving from Keedysville, MD to Valatie, NY

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

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

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

Frequently Asked Questions: Keedysville, MD vs Valatie, NY

How do the cost estimates for Keedysville, MD and Valatie, NY compare?

Valatie, NY has a modeled overall cost index 27.8% lower than Keedysville, 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 Keedysville, MD, the model estimates $125,878 in Valatie, 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 Keedysville, MD and Valatie, NY?

The modeled two-bedroom rents are $1,600/month in Keedysville, MD and $1,340/month in Valatie, 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