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Crunching costs, sorting signals, rendering insights.
Moving to Dayton is a financial step down — higher costs without proportional income gain.
Dayton has a cost index of 85 vs 96 for Baltimore. Dayton is 11 points cheaper overall. Monthly rent goes from $1,708 to $1,186 (-31%).
If you earn the Baltimore median of $59,623, you would need approximately $52,791/year in Dayton to maintain equivalent purchasing power, based on the cost index difference of 11 points (11%).
Median rent in Baltimore is $1,708/month. In Dayton it is $1,186/month — a difference of $522 per month, or $6,264 per year.
Moving to Dayton is a financial step down — higher costs without proportional income gain. The salary equivalent to maintain your current lifestyle is $52,791/year in Dayton. The median income there is $43,454.
Estimated monthly essentials total $3,542 in Baltimore vs $2,829 in Dayton — a difference of $713/month ($8,556/year).
The median home price in Dayton is $133,852 vs $187,545 in Baltimore. With 20% down and a 6.5% rate, the estimated monthly mortgage payment is $677 in Dayton vs $948 in Baltimore.