$40K in Baltimore = $38,182 in Boise
Your $40K salary in Baltimore (COL 110) has the same purchasing power as $38,182 in Boise (COL 105). Boise is cheaper — your money goes 5% further there.
Budget breakdown — $40K in both cities
What $40K actually buys you in each city after taxes and core expenses.
| Expense | Baltimore $40K | Boise $40K (same salary) |
|---|---|---|
| Monthly take-home | $2,568 | $2,535 |
| 1BR rent | $1,900 | $1,600 |
| Groceries | $391 | $372 |
| Transport | $88 | $45 |
| Utilities | $175 | $145 |
| Internet | $65 | $60 |
| Left after essentials | -$51/month | $313/month |
Frequently asked questions
What is $40K in Baltimore equivalent to in Boise?
$40K in Baltimore (COL index 110) has the same purchasing power as $38,182 in Boise (COL index 105). That's 5% less than your current salary.
If I move from Baltimore to Boise keeping my $40K salary, will I be better off?
Yes. If you keep earning $40K after moving to Boise, you'd have $364 more per month after core expenses — because Boise is cheaper than Baltimore.
How is the salary equivalent calculated?
The equivalent salary is calculated by multiplying your current salary by the ratio of the two cities' overall cost of living indices: $40K × (105 ÷ 110) = $38,182. This adjusts for differences in housing, food, transport, and general cost of living.
Other salary amounts — Baltimore to Boise
Equivalency uses overall COL index ratio. Take-home uses simplified federal/state brackets. Zillow · BLS · Numbeo · Q1 2026 · For general guidance only