What does WatchPennies calculate?

WatchPennies estimates cost of living by US county across housing, food, transportation, healthcare, childcare, other necessities, taxes, and income context.

Do I need an account to use WatchPennies?

No. WatchPennies is a privacy-first web calculator that can be used without creating an account.

Can I compare two counties on WatchPennies?

Yes. WatchPennies lets you compare counties and adjust salary and family type to estimate relative cost differences.

Can I change the salary and family type?

Yes. The comparison calculator supports salary and family type inputs so you can model costs for different households.

Does WatchPennies require an account for comparisons?

No. County comparisons are available without creating an account.

Santa Clara County, CA vs Montgomery County, MD: Cost of Living Difference

Is it cheaper?

Montgomery County, MD is cheaper than Santa Clara County, CA.

Moving to Montgomery County, MD is estimated to save $19,156 per year.

Cheaper County

Montgomery County, MDSave about $19,156 per year.

Salary needed

$50,000 in Santa Clara County, CA is about $39,515 in Montgomery County, MD.

Biggest drivers

Food increases by $162 per year. Taxes saves $7,122 per year.

Housing: $6,728 lower in Montgomery County, MD

Taxes: $7,122 lower in Montgomery County, MD

Childcare: about the same in both counties

Healthcare: $1,748 lower in Montgomery County, MD

Food: $162 higher in Montgomery County, MD

Transport: $1,681 lower in Montgomery County, MD

Santa Clara County, CA→Montgomery County, MD

Equivalent salary in Montgomery County, MD

$39,515

-20.97% lower

Current salary: $50,000

Household: 1 adult · 0 children

Median Income in Santa Clara County, CA: $182,053

Median Income in Montgomery County, MD: $158,399

Living Index in Santa Clara County, CA 50.18%

Living Index in Montgomery County, MD 45.58%

This estimate matches your purchasing power (equivalent salary) when moving from Santa Clara County, CA to Montgomery County, MD.

* Living index is estimated as (estimated total cost / area median income) * 100. A living index above 100% means modeled costs exceed median income.

Cost of Living Breakdown by Category

Summary

Moving from Santa Clara County, CA to Montgomery County, MD is estimated to save $19,156 per year. A $50,000 salary in Santa Clara County, CA would have similar purchasing power to about $39,515 in Montgomery County, MD. The largest savings come from taxes and housing.

This is a 20.97% decrease in modeled annual costs. Taxes is $7,122 per year lower (29.52%); Housing is $6,728 per year lower (21.5%).

Below we break down the annual categories behind the difference using Economic Policy Institute 2026 Family Budget data.

What changed the most?

The following cards show the annual category differences that most affect the move to Montgomery County, MD.

Biggest Cost

Largest annual cost increase when moving to Montgomery County, MD

Annual Increase:

$162 per year

FOOD has the largest annual increase when moving to Montgomery County, MD.

Biggest Savings

Largest annual savings when moving to Montgomery County, MD

Annual Savings:

$7,122 per year

TAXES has the largest annual savings when moving to Montgomery County, MD.

Breakdown of price percentages per category.

Numbers are average costs per section.

Category	Difference
Housing	-21.50% lower
Santa Clara County, CA Montgomery County, MD Average Cost $31296.00 $24568.00 INFO: Housing costs are based on Department of Housing and Urban Development data. The estimate uses 40th percentile rent for privately owned rental units in each area. Studio apartments are paired with one-adult households, one-bedroom apartments with two-adult households, and two-bedroom apartments with households that have children.
Food	3.26% higher
Santa Clara County, CA Montgomery County, MD Average Cost $4973.00 $5135.00 INFO: Food costs are based on the U.S. Department of Agriculture's food plans. Numbers are normalized to each area using Feeding America and Meal Gap data. This estimate assumes most food is bought at local grocery stores and prepared at home.
Transport	-12.30% lower
Santa Clara County, CA Montgomery County, MD Average Cost $13666.00 $11985.00 INFO: Transportation costs are a combination of auto ownership, auto use, and public transit. Data is collected from the Center for Neighborhood Technology (CNT).
Healthcare	-28.95% lower
Santa Clara County, CA Montgomery County, MD Average Cost $6038.00 $4290.00 INFO: Healthcare expenses come from average insurance premiums and out-of-pocket costs. The estimate assumes families purchase the lowest-cost available insurance plan under the Affordable Care Act. Data comes from Kaiser Family Foundation and the U.S. Department of Health and Human Services (HHS).
Other Costs	-18.11% lower
Santa Clara County, CA Montgomery County, MD Average Cost $11261.00 $9222.00 INFO: This cost is calculated through the average spending of categories deemed necessary by the Bureau of Labor Statistics Consumer Expenditure Survey. These include apparel, personal care, household supplies, reading materials, and school supplies.
Childcare	0.00% higher
Santa Clara County, CA Montgomery County, MD Average Cost $0.00 $0.00 INFO: Childcare expenses are based on combined costs for center-based care and family-based care for 4-year-olds and school-aged children. For households with one child, the estimate assumes the child is 4 years old. For households with two children, the estimate assumes the second child is 8 years old.
Taxes	-29.52% lower
Santa Clara County, CA Montgomery County, MD Average Cost $24125.00 $17003.00 INFO: Taxes are calculated from the National Bureau of Economic Research. The number weighs in personal income tax, state income tax, federal Social Security, and Medicare taxes.

In Montgomery County, MD, modeled annual costs are $72,203 compared with $91,359 in Santa Clara County, CA.

Overall, annual costs are lower in Montgomery County, MD. The category breakdown above shows where the move creates the most room in the budget.

In this case Montgomery County, MD and Santa Clara County, CA are both metropolitan locations.

Use our map to visually compare multiple counties at once.

Use the Cost of Living Map