Accountant Salary in Frederick, MD: Median $95,369 in 2026
Frederick (MD) · COL index 112 · Unemployment 3.3% · Metro pop 285,000 · Rank #74 of 283 for Accountant salary
A Accountant in Frederick earns an estimated median of $95,369 per year. That figure starts from the Maryland state-level BLS Occupational Employment and Wage Statistics median[1]($89,070) and scales it by Frederick's composite cost-of-living index of 112 (US = 100). The 10th percentile comes in around $54,939; the 90th percentile reaches $160,619. After federal, Maryland state, and FICA taxes, a single-filer Accountant takes home approximately $71,446/year — about $5,954/month or $2,748 every other week.
Compared to the national Accountant median of $79,880, Frederick pays +19.4%. Relative to the Frederick median household income of $88,500, a Accountantsalary runs +7.8%. Local unemployment is 3.3%[3], with an estimated 180 annual Accountant openings inferred from metro population share and national employment (1,412,200).
Accountant Snapshot — Frederick (2026)
Every row cites a primary public dataset. Rent + home values use Zillow where the metro is in the ZHVI/ZORI coverage set; otherwise ACS + census tract fallbacks.
| Metric | Frederick | National | Source |
|---|---|---|---|
| Accountant median salary | $95,369 | $79,880 | [1] |
| 10th percentile | $54,939 | $58,560 | [1] |
| 90th percentile | $160,619 | $144,590 | [1] |
| Annual take-home (single filer) | $71,446 | — | [8][10] |
| Median home value (ZHVI) | $395,000 | — | [5] |
| Median rent (ZORI) | $1,550/mo | — | [5] |
| HUD Fair Market Rent (2BR) | $1,425/mo | — | [6] |
| Median household income (ACS) | $88,500 | — | [7] |
| Cost-of-living index | 112.0 | 100.0 | [4] |
| Unemployment rate | 3.3% | — | [3] |
How Accountant Salaries Work in Frederick
City-level wages aren't published directly by BLS for most SOC codes. We build them by anchoring to the Maryland state-level OEWS median ($89,070) and scaling by Frederick's composite cost-of-living index (112)[1][4]. That index combines Census ACS rent, Zillow ZHVI, BLS CPI, and AdvisorSmith / ApartmentAdvisor inputs to produce one number per metro. When BLS publishes a separate metro-level wage (MSA-level OEWS), that takes priority — a handful of large metros including New York, LA, Chicago, and DC have this coverage.
On top of the gross wage, the standard US payroll stack applies: federal income tax using 2025 IRS brackets and the $15,000 single standard deduction[8], FICA (Social Security 6.2% up to $176,100 wage base + Medicare 1.45%)[9], and Maryland state income tax at a 4.4% effective rate ($4,197/yr on the $95,369 median)[10].
Frederick also sits inside a larger metro labor market where commute patterns, remote-work policies, and adjacent-metro wages compete. A tight labor market (unemployment below 4%) gives candidates pricing power in negotiations. Median household income in the metro is $88,500, which frames what "a good Accountant salary" means locally: a $$95,369 wage pays about 108% of the median household income on a single earner.
The deterministic identity: take_home = gross − federal − state − FICA − pre_tax. All math runs client-side; nothing is sent to our servers.
Cost of Living Breakdown — Frederick
Estimated annual expense shares on a $71,446 take-home, using BLS Consumer Expenditure Survey baseline shares scaled to Frederick's COL index of 112. Housing uses the actual median rent.
BLS Consumer Expenditure Survey shares[1], scaled by Frederick's COL index of 112[4]. Housing uses actual median rent of $1,550/month.
Salary vs Housing Affordability in Frederick
Renting
Buying
At $5,954/mo take-home, the 30% rent rule caps housing at $1,786/mo. Frederick's typical 1–2BR rent runs $1,550/mo[5] (HUD 2BR FMR: $1,425/mo), making rent very affordable on a median Accountant salary. For homebuyers, the 4.1× price-to-income ratio is workable with a strong credit profile and manageable other debts.
How Frederick Stacks Up for Accountants
Against 283 major US cities: Frederick ranks #74 for nominal Accountant salary, #179 for rent affordability, and #214 for overall purchasing power. High cost of living absorbs much of Frederick's nominal wage premium. Accountants here often trade pay for lifestyle, proximity to employers, or family roots — consider nearby metros on a salary-to-COL basis.
Nearby Cities — Accountant Salary Comparison
Frederick's closest metros, scaled by each city's cost-of-living index. Useful for relocation decisions where commute or remote-work policies allow a neighboring metro trade-off.
| City | Est. salary | COL | Rent | vs MD |
|---|---|---|---|---|
| Frederick, MD ★ | $95,369 | 112 | $1,550 | — |
| Baltimore, MD | $85,472 | 107 | $1,300 | -10.4% |
| Nashville, TN | $89,466 | 112 | $1,556 | -6.2% |
| Reno, NV | $89,466 | 112 | $1,294 | -6.2% |
| Coral Springs, FL | $89,466 | 112 | $2,000 | -6.2% |
| Tacoma, WA | $89,466 | 112 | $1,600 | -6.2% |
Accountant Job Market in Frederick
Frederick has an estimated 180 annual Accountantopenings, extrapolated from the metro's share of 1,412,200 national Accountants[1]. The 3.3% unemployment rate[3] signals a competitive labor market where skilled professionals can push for top-of-band offers.
About the profession: Accountants prepare and examine financial records, ensure tax compliance, and advise on financial decisions. Many work in public accounting, corporations, or as self-employed CPAs. Typical entry requirement: bachelor's degree. Projected growth through 2034: 6%[2].
Career Progression & Related Professions in Frederick
Early-career Accountants in Frederick start around $54,939, reach the city median ($95,369) after 4–8 years, and hit 90th-percentile territory ($160,619) at senior / specialized levels.
Related finance professions in Frederick
Calculators for Accountants in Frederick
Other professions in Frederick
Frequently Asked Questions — Accountant in Frederick
How much does a Accountant make in Frederick, MD?
The estimated median salary for a Accountant in Frederick is $95,369/year, scaled from the BLS OEWS Maryland state median ($89,070) by Frederick's composite cost-of-living index of 112 (US = 100). After federal, Maryland state, and FICA taxes, take-home is approximately $71,446/year or $5,954/month.
Can a Accountant afford to live in Frederick?
On $5,954/month take-home, the 30% rent rule affords $1,786/month. Frederick's Zillow ZORI median rent is $1,550/mo, HUD's 2BR Fair Market Rent is $1,425/mo. The rent-to-income ratio works out to 19.5%, making housing very affordable for a Accountant at the local median. Home-buyers face 4.1× price-to-income, needing roughly 4.1 years to save a 20% down payment at a 20% savings rate.
How much tax does a Accountant pay in Frederick?
On $95,369 gross, a Accountant in Frederick pays approximately $12,430 in federal income tax (13.0% effective), $4,197 in Maryland state income tax (4.4% effective), and $7,296 in FICA (Social Security + Medicare). Total effective rate: 25.1%. Some Maryland cities levy local income taxes in addition; check your municipal DoR before filing.
How does Frederick rank for Accountant salaries vs other cities?
Frederick ranks #74 out of 283 tracked metros for nominal Accountant salary, #179 for rent affordability (rent-to-income), and #214 for purchasing power (salary ÷ COL). The high-purchasing-power cities tend to be mid-size metros with strong local employers and moderate housing costs; the low-ranked cities trade high nominal pay for steep rents.
What is the cost-of-living breakdown for a Accountant in Frederick?
On $71,446 take-home, a reasonable baseline budget for Frederick looks like: housing $18,600/yr (26.0%); food $9,191/yr; transportation $7,488/yr; healthcare $5,181/yr; utilities $3,787/yr; savings + discretionary $27,199/yr. Numbers use BLS Consumer Expenditure Survey shares scaled to Frederick's COL index of 112 and the city's actual median rent.
What's the Accountant job market like in Frederick?
Frederick's unemployment rate is 3.3% across the metro of 285,000. Estimated annual Accountant openings: ~180 (extrapolated from 1,412,200 nationally employed and the metro's population share). The tight labor market favors candidates in salary negotiations.
Do Frederick employers pay above or below the Maryland median for Accountants?
Yes — Frederick's estimated Accountant median of $95,369 is 19.4% above the national median. Higher nominal pay in this city partially offsets the higher cost of living; the real picture depends on housing costs and state taxes.
Methodology — How we compute this page
Wage estimate. The Frederick median is derived from the Maryland state-level BLS OEWS median ($89,070), scaled by Frederick's composite cost-of-living index of 112. When BLS publishes a direct MSA-level wage for the occupation, that takes priority over the scaled state median. Percentile bands inherit the same scale factor.
Housing + rent. Median home value uses Zillow ZHVI; median rent prefers Zillow ZORI and falls back to Census ACS median gross rent. HUD Fair Market Rents (50th-percentile 2BR) are shown where HUD publishes the metro. Price-to-income and rent-to-income ratios use the estimated Accountantmedian (not the city's overall median household income) — to reflect the specific role-vs-city affordability picture.
Tax math. Federal tax uses 2025 IRS brackets and the $15,000 single standard deduction. FICA is Social Security 6.2% up to the $176,100 wage base + Medicare 1.45% (+ 0.9% Additional Medicare above $200,000). State tax uses Maryland's 2026 brackets from the state DoR (mirrored via Tax Foundation where the DoR's publication is paywalled or split). Local income taxes (e.g. NYC, Portland-OR supplemental, OH municipal) are NOT included — check your municipal authority for specifics.
Cost of living. The 112index is the composite used by CalcFi's /data/cities.ts, which merges Census ACS, BLS CPI shelter, Zillow ZORI, and commercial COL estimators. The COL-adjusted salary on this page assumes the statewide RPP = 104.6(BEA) approximates the state's purchasing power; cities are then scaled relative to that.
Refresh cadence. BLS OEWS releases annually (typically March); BEA RPP releases annually in December; IRS brackets adjust in October; Zillow ZHVI/ZORI updates monthly; HUD FMR publishes annually in August for the upcoming fiscal year. The dateModified shown above auto-bumps to the most recent retrievedAt on any sourced value the page consumes.
Known limits. Metro-level OEWS coverage is partial — only ~50 large MSAs have separately published occupation wages; the rest inherit state-level estimates scaled by COL. Rent and home data may trail the real-time market by 1–3 months (Zillow) or 8–12 months (ACS). Rankings are capped to the city set in our dataset (283 metros), not every incorporated US city.
Sources
Every number on this page cites a primary public dataset. Last reviewed (auto-bumped on the next ISR refresh after an ETL run).
- BLS Occupational Employment and Wage Statistics (OEWS) — state-level occupational wages — www.bls.gov/oes. Retrieved 2026-04-19.
- BLS Employment Projections — 2024–34 occupational growth rates — www.bls.gov/emp. Retrieved 2026-04-19.
- BLS Local Area Unemployment Statistics — metro-level unemployment rate — www.bls.gov/lau. Retrieved 2026-04-19.
- Bureau of Economic Analysis — Regional Price Parities (state + metro) — www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area. Retrieved 2026-04-19.
- Zillow Research — ZHVI (home value index) + ZORI (observed rent index) — www.zillow.com/research/data. Retrieved 2026-04-19.
- HUD Fair Market Rents — 50th-percentile 2-bedroom FY — www.huduser.gov/portal/datasets/fmr.html. Retrieved 2026-04-19.
- U.S. Census Bureau — American Community Survey (ACS) 5-year estimates, metro level — www.census.gov/programs-surveys/acs. Retrieved 2026-04-19.
- Internal Revenue Service — Federal individual income tax brackets and standard deductions — www.irs.gov/forms-pubs/about-publication-17. Retrieved 2026-04-19.
- Social Security Administration — OASDI / Medicare contribution and wage-base rules — www.ssa.gov. Retrieved 2026-04-19.
- Maryland Department of Revenue — 2026 individual income tax brackets (accessed via Tax Foundation mirror) — taxfoundation.org/data/all/state/state-income-tax-rates. Retrieved 2026-04-19.
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