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Medical Records Specialists Salary in Maryland: Cost of Living Adjusted (2025)

Last updated: 2025 BLS data · Page refreshed:

What does a Medical Records Specialists salary really buy you in Maryland?

Maryland is 5.0% pricier than the US average

Data: BLS OEWS 2025 + BEA Regional Price Parities 2022 • Updated 2026-05-19

Nominal Salary
$54,220
Median annual (2025)
-4.8%
Real Purchasing Power
$51,638
COL-adjusted (RPP=105.0)

Maryland Cost of Living Index

Maryland's Regional Price Parity (RPP) is 105.0, meaning prices are 5.0% higher the national average. A Medical Records Specialists earning $54,220 in Maryland has the equivalent purchasing power of $51,638 in an average-cost US state.

MD: 105.0
Cheapest (~85) US Avg (100) Priciest (~115)

Salary Breakdown: Nominal vs. COL-Adjusted

Every dollar goes further in low-cost states. Here is how each salary percentile compares after adjusting for Maryland's cost of living.

Percentile Nominal Salary COL-Adjusted Difference
10th Percentile (P10) $35,400 $33,714 $-1,685
25th Percentile (P25) $44,210 $42,104 $-2,105
Median (P50) $54,220 $51,638 $-2,581
75th Percentile (P75) $65,770 $62,638 $-3,131
90th Percentile (P90) $82,090 $78,180 $-3,909
Key Insight

While $54,220 sounds high, Maryland's elevated cost of living erases 5% of that salary's purchasing power. Your real buying power is $51,638. Consider whether the higher pay offsets the higher costs.

What the Cost-of-Living Data Says

Maryland Is a High-Cost State

RPP 105.0

Maryland's RPP of 105.0 puts it 5.0% above the national baseline cost of living. A Medical Records Specialists needs that premium in nominal pay just to maintain the same purchasing power as an average-cost state.

Meaningful Purchasing-Power Shift

-4.8%

After applying Maryland's RPP, the $54,220 median salary translates to $51,638 in real terms — a 4.8% loss. That difference can cover several months of expenses over a year for a Medical Records Specialists.

Bottom-Quartile COL-Adjusted Pay

#40 / 51

Maryland ranks #40 of 51 — bottom quartile for Medical Records Specialists real purchasing power. Relocation, employer negotiation, or remote roles at higher-paying markets tend to generate the biggest ROI.

Best States for Medical Records Specialists (After Cost of Living)

Where does Medical Records Specialists salary stretch the furthest? Top 10 states ranked by COL-adjusted median salary.

$65,308
RPP 92.3
$63,153
RPP 91.0
$62,978
RPP 97.7
$61,783
RPP 116.6
$61,088
RPP 104.7
$60,202
RPP 88.8
7. Alaska
$59,892
RPP 102.0
8. Wyoming
$58,988
RPP 91.9
$58,647
RPP 88.0
10. Idaho
$58,235
RPP 91.8

Maryland ranks #40 out of 51 states for Medical Records Specialists after cost-of-living adjustment.

How much do you actually take home? See Medical Records Specialists take-home pay in Maryland after taxes →

Frequently Asked Questions

What is the real salary for a Medical Records Specialists in Maryland after cost of living?

A Medical Records Specialists in Maryland earns a median salary of $54,220 per year. After adjusting for Maryland's cost of living (RPP=105.0), the real purchasing power is $51,638 — a -4.8% difference.

Is Maryland expensive to live in?

Maryland's cost of living is 5.0% higher than the national average according to the BEA Regional Price Parities (2022). The RPP index for Maryland is 105.0 (US average = 100).

What are Regional Price Parities (RPP)?

Regional Price Parities (RPPs) are price indexes published by the U.S. Bureau of Economic Analysis (BEA) that measure differences in price levels across states. They are expressed as a percentage of the national average (US = 100). Higher RPP means higher cost of living.

How is the cost-of-living adjusted salary calculated?

The adjusted salary is calculated as: Nominal Salary x (100 / RPP). For a Medical Records Specialists in Maryland: $54,220 x (100 / 105.0) = $51,638. This represents what the salary would be worth in a state with average living costs.

Does the high cost of living in Maryland offset the salary?

Partially — a Medical Records Specialists's nominal salary of $54,220 in Maryland has 4.8% less purchasing power due to higher living costs. The real value is $51,638. However, Maryland may offer better career opportunities, networking, and industry access.

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