Last update: Oct 2026

Cost of Living Comparison Between Seattle, WA and Frederick, MD

For one person, living is cheaper in Frederick, MD: $2,554 a month against $3,782 in Seattle, WA, rent and utilities included – about $14,700 less a year. Rent and utilities account for most of the difference.

184

Cost of Living Index in Seattle, WA
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Seattle, WA Living Index
124

Cost of Living Index in Frederick, MD
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Frederick, MD Living Index

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Seattle, WA

🇺🇸 United States

$3,782

/mo nomad

Frederick, MD

🇺🇸 United States

$2,554

/mo nomad

Monthly Cost of Living

How much you'll spend in Seattle, WA and in Frederick, MD

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Seattle, WA and in Frederick, MD actually costs, broken down by who's living it.

Monthly costs for one person with rent: $3,782 in Seattle, WA versus $2,554 in Frederick, MD.

Seattle, WA $3,782
Frederick, MD $2,554

Estimated couple costs with rent: $5,636 in Seattle, WA versus $4,056 in Frederick, MD.

Seattle, WA $5,636
Frederick, MD $4,056

Monthly costs for a family of three with rent: $7,489 in Seattle, WA versus $5,558 in Frederick, MD.

Seattle, WA $7,489
Frederick, MD $5,558

Living in Seattle, WA is roughly 48% more expensive than in Frederick, MD, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Seattle, WA 179% above, Frederick, MD 88% above.

Meal at Budget Restaurant

$24.52 $24.52

$18.14 $18.14

35.17%

Three-Course Dinner for Two, Mid-Range

$98.2 $98.2

$90.9 $90.9

8.10%

Fast Food Meal (McDonalds, etc)

$14.79 $14.79

$9.90 $9.90

49.39%

Cappuccino

$6.52 $6.52

$4.62 $4.62

41.13%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$3.23 $3.23

$3.13 $3.13

3.19%

Water (0.33 liter bottle)

$3.17 $3.17

$1.99 $1.99

59.30%

Local Beer (0.5 liter draught)

$7.85 $7.85

$5.99 $5.99

31.05%

Imported Beer (0.33 liter bottle)

$8.03 $8.03

$7.32 $7.32

9.70%

Milk (1 liter)

$1.21 $1.21

$0.99 $0.99

22.22%

White Bread (500g)

$5.14 $5.14

$4.32 $4.32

18.98%

Rice (white) (1kg)

$6.05 $6.05

$4.62 $4.62

30.95%

Eggs

$4.88 $4.88

$3.81 $3.81

28.08%

Local Cheese (1kg)

$19.18 $19.18

$12.96 $12.96

47.99%

Chicken Fillets (1kg)

$18.91 $18.91

$11.26 $11.26

67.94%

Beef Round Steak (1kg)

$23.31 $23.31

$14.56 $14.56

60.10%

Apples (1kg)

$5.99 $5.99

$5.51 $5.51

8.71%

Banana (1kg)

$1.93 $1.93

$1.56 $1.56

23.72%

Oranges (1kg)

$5.25 $5.25

$4.42 $4.42

18.78%

Tomato (1kg)

$6.57 $6.57

$5.88 $5.88

11.73%

Potato (1kg)

$3.62 $3.62

$3.18 $3.18

13.84%

Onion (1kg)

$3.31 $3.31

$3.82 $3.82

-13.35%

Lettuce (1 head)

$2.78 $2.78

$3.39 $3.39

-17.99%

Water (1.5 liter bottle)

$2.51 $2.51

$2.35 $2.35

6.81%

Cigarettes 20 Pack (Marlboro, Camel)

$12.18 $12.18

$9.80 $9.80

24.29%

Wine (Bottle)

$14.83 $14.83

$16.75 $16.75

-11.46%

Local Beer (0.5 liter bottle)

$4.22 $4.22

$1.72 $1.72

145.35%

Imported Beer (0.33 liter bottle)

$5.77 $5.77

$2.95 $2.95

95.59%

One-way Ticket (Public Transport)

$2.95 $2.95

Public Transport Monthly Pass (Regular Price)

$106 $106

Taxi Start (Normal Tariff)

$2.65 $2.65

$4.02 $4.02

-34.08%

Taxi (Normal Tariff) (1km)

$1.72 $1.72

$1.21 $1.21

42.15%

Taxi 1hour Waiting (Normal Tariff)

$29.72 $29.72

$24.90 $24.90

19.36%

Gasoline (1 liter)

$1.49 $1.49

$0.95 $0.95

56.84%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$35.9K $35.9K

$29.0K $29.0K

23.59%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$26.2K $26.2K

$25.9K $25.9K

1.44%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$302 $302

$107 $107

182.25%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$70.1 $70.1

$47.62 $47.62

47.25%

Internet (50+ Mbps, Unlimited Data)

$85.3 $85.3

$61.7 $61.7

38.27%

Gym Membership (Monthly)

$77.8 $77.8

$41.51 $41.51

87.52%

Tennis Court (1 Hour on Weekend)

$34.58 $34.58

Cinema Ticket

$17.84 $17.84

$14.57 $14.57

22.44%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$2,973 $2,973

$1,615 $1,615

84.06%

International Primary School, 1 Child (Yearly)

$31.3K $31.3K

$36.2K $36.2K

-13.67%

Jeans (Levis 501 Or Similar)

$76.6 $76.6

$37.51 $37.51

104.11%

Summer Dress (H&M, Zara, etc)

$54.1 $54.1

$36.77 $36.77

46.99%

Sport Shoes (Adidas, Nike)

$128 $128

$96.4 $96.4

32.93%

Men's Leather Business Shoes

$164 $164

$97.5 $97.5

68.30%

1-bedroom Apartment, City Center (Monthly)

$2,445 $2,445

$1,784 $1,784

37.06%

1-bedroom Apartment, Outside City Center (Monthly)

$1,947 $1,947

$1,425 $1,425

36.64%

3-bedroom Apartment, City Center (Monthly)

$4,744 $4,744

$3,207 $3,207

47.94%

3-bedroom Apartment, Outside City Center (Monthly)

$3,469 $3,469

$2,867 $2,867

20.98%

Buy Apartment in City Center (m2)

$7,367 $7,367

$2,477 $2,477

197.40%

Buy Apartment Outside City Center (m2)

$5,127 $5,127

$2,146 $2,146

138.88%

Average Monthly Net Salary (After Tax)

$6,506 $6,506

$5,015 $5,015

29.74%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.89

6.1

12.95%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Seattle, WA: October 19, 2026

Last update for Frederick, MD: October 18, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Seattle, WA

$1.9K 51.5%

Frederick, MD

$1.4K 55.8% 26.8% $522

Groceries & Markets

Seattle, WA

$546 14.4%

Frederick, MD

$417 16.3% 23.6% $129

Monthly Utilities & Internet

Seattle, WA

$457 12.1%

Frederick, MD

$216 8.5% 52.7% $241

Eating Out

Seattle, WA

$400 10.6%

Frederick, MD

$295 11.6% 26.1% $104

Clothing & Footwear

Seattle, WA

$190 5%

Frederick, MD

$121 4.7% 36.6% $70

Getting Around

Seattle, WA

$129 3.4%

Frederick, MD

$10 * 0.4% 92.2% $119

Sport & Entertainment

Seattle, WA

$114 3%

Frederick, MD

$71 2.8% 37.8% $43

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $2,445 in Seattle, WA and $1,784 in Frederick, MD. Housing cost is often the main lever when comparing two cities.

Seattle, WA pays 30% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $98.0 in Seattle, WA vs $91.0 in Frederick, MD for a mid-range dinner for two. Groceries echo the gap at $546 vs $417 per month, with Frederick, MD cheaper across the board.

Good to know

🇺🇸 Seattle, WA

🇺🇸 Frederick, MD

🕒 Local time

15:01 3:01 PM

18:01 6:01 PM

3 h ahead of Seattle, WA

🌤 Weather

👥 Population

737,015

72,237

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

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Seattle, WA Frederick, MD 3,680 km ≈ 5 h nonstop flight

From you

Seattle, WA
Frederick, MD

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Seattle, WA vs Frederick, MD: Cost of Living - Frequently Asked Questions

Seattle, WA and Frederick, MD differ by about 48% in total monthly costs ($3,782 vs $2,554 including rent). Frederick, MD is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 30% higher in Seattle, WA, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $2,445 in Seattle, WA versus $1,784 in Frederick, MD. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 31% higher in Seattle, WA. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $3,782 per month in Seattle, WA versus $2,554 in Frederick, MD – a 48% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $3,000. Frederick, MD is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Expats usually find Frederick, MD gentler on the wallet – expenses run 48% less than in Seattle, WA. Beyond cost, consider language, visa policies, and how big the international community is in each city.