Salary Comparison
Software Developers: Frederick vs Albany
Side-by-side salary, take-home pay, cost of living, and lifestyle score.
Frederick, MD
$145,703/yr
Albany, NY
$133,079/yr
Our recommendation: Frederick, MD
Frederick offers $690 more per month in disposable income, giving a stronger financial outcome despite comparable pay.
Full Breakdown
Frederick
Albany
Diff (A−B)
Annual Gross Salary
$145,703
$133,079
+$12,624
A vs B
Monthly Take-Home
After estimated federal + state taxes
$8,864
$8,096
+$768
A vs B
Cost of Living Index
Lower is more affordable. US avg = 100
105
102
+3 pts
A vs B
Monthly Living Costs
Housing, food, transport, utilities, healthcare
$2,721
$2,643
+$78
A vs B
Monthly Rent
$1,565
$1,520
+$45
A vs B
Monthly Disposable
$6,143
$5,453
+$690
A vs B
Purchasing Power Score
Take-home ÷ living costs. Higher is better
3.26×
3.06×
+0.20×
A vs B
Lifestyle Score
10/10 (Comfortable)
10/10 (Comfortable)
+0
A vs B
Frederick — Full Details
Albany — Full Details
Salary estimates based on BLS metro data. Cost of living from regional price indices. All figures are estimates; verify with employers before making decisions.