Naval Academy, MD vs St. James, MD

The cost of living difference between Naval Academy, MD and St. James, MD is dramatic. St. James is 38.7% cheaper than Naval Academy, a gap that translates to thousands of dollars per year in household expenses. Naval Academy has a cost index of 143 while St. James sits at 103, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

Renters will find that Naval Academy has a median rent of $2,715/month while St. James comes in at $1,252/month, a 117% difference.

Median household income in Naval Academy is $120,347 compared to $103,105 in St. James (+16.7%). Naval Academy does offer higher incomes, but the salary premium barely offsets the higher cost of living, leaving residents with a tighter budget. Looking at affordability, residents of Naval Academy spend roughly 27.1% of their income on rent, more than the 14.6% in St. James.

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