$120K in Baltimore = $111,273 in Flagstaff
Your $120K salary in Baltimore (COL 110) has the same purchasing power as $111,273 in Flagstaff (COL 102). Flagstaff is cheaper — your money goes 7% further there.
Budget breakdown — $120K in both cities
What $120K actually buys you in each city after taxes and core expenses.
| Expense | Baltimore $120K | Flagstaff $120K (same salary) |
|---|---|---|
| Monthly take-home | $6,675 | $6,905 |
| 1BR rent | $1,900 | $1,650 |
| Groceries | $391 | $384 |
| Transport | $88 | $45 |
| Utilities | $175 | $195 |
| Internet | $65 | $65 |
| Left after essentials | $4,056/month | $4,566/month |
Frequently asked questions
What is $120K in Baltimore equivalent to in Flagstaff?
$120K in Baltimore (COL index 110) has the same purchasing power as $111,273 in Flagstaff (COL index 102). That's 7% less than your current salary.
If I move from Baltimore to Flagstaff keeping my $120K salary, will I be better off?
Yes. If you keep earning $120K after moving to Flagstaff, you'd have $510 more per month after core expenses — because Flagstaff 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: $120K × (102 ÷ 110) = $111,273. This adjusts for differences in housing, food, transport, and general cost of living.
Other salary amounts — Baltimore to Flagstaff
Equivalency uses overall COL index ratio. Take-home uses simplified federal/state brackets. Zillow · BLS · Numbeo · Q1 2026 · For general guidance only