Annapolis, MD vs Frederick, MD

Frederick is moderately more affordable than Annapolis, with a 12.3% lower cost of living index. Annapolis scores 134 compared to 119 for Frederick, where the US average is 100. This difference means residents of Annapolis can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in Annapolis is $1,855/month compared to $1,688/month in Frederick — a 10% difference. Home values follow the same pattern: Frederick is more affordable at $365,200 median vs $510,200.

Median household income in Annapolis is $104,257 compared to $95,150 in Frederick (+9.6%). The higher salaries in Annapolis partially offset the cost difference, but don't fully close the gap. Looking at affordability, residents of Annapolis spend roughly 21.4% of their income on rent, more than the 21.3% in Frederick.

Climate-wise, both cities share similar average temperatures (57.7°F vs 55.4°F). Annapolis receives more rainfall at 44" per year compared to 35.6" in Frederick.