Can a Surgeon afford to live in Baltimore?

Excellent86% of take-home left to save — you can save aggressively here.
Median salary (gross)
Surgeon · Baltimore
$467,729
Income tax (~42% effective)
United States
– $194,967
Take-home pay
$22,730/mo
$272,762
Living costs (1 person)
$3,080/mo · derived
– $36,960
Savings potential
$19,650/mo · 86% of take-home
$235,802

Single professional, after-tax. Salary − tax − living costs = what you could save each year.

Full salary breakdown →Is this a good salary in Baltimore? →Compare Baltimore with another city →

How we calculated this

• Salary: BLS OES median for Surgeon, adjusted for Baltimore.

• Tax: United States single-filer effective rate (~42%). Official calculator.

• Living costs: derived from cost-of-living index for a single professional.

Planning estimates, not financial or tax advice. Updated 2026. Your situation will differ.