New Study Ranks Maryland Among Hardest States for Freelancers

A new national study places Maryland among the worst states for freelancers to live and work. The analysis by Romano Law PLLC evaluated all 50 states on key economic factors. Maryland landed in the bottom 20, ranking as the 18th most challenging state for self-employed individuals.

The state’s high cost of living was identified as the primary obstacle for independent workers. This creates a difficult financial environment for those without a steady, predictable income.

High Costs and Scarce Opportunities Define the Challenge

The study’s data reveals a stark picture for Maryland’s freelancers. The average monthly rent in the state is $1,909. This is significantly higher than the national average of $1,440.

High housing costs directly impact financial stability. Nearly one-third of Maryland households are renters, making them vulnerable to these elevated expenses. The state’s underemployment rate was another major negative factor.

Maryland’s underemployment rate sits at 7%. This suggests a lack of high-quality, lucrative project work for skilled independent professionals. The local market may not offer enough robust opportunities.

Legal Protections and the National Freelance Landscape

The study highlights a growing need for legal safeguards for gig economy workers. Some states have begun implementing specific laws to protect freelancers. New York’s “Freelance Isn’t Free Act” is a leading example.

This legislation guarantees written contracts and timely payment. Maryland currently lacks similar statewide protections. This legal gap adds another layer of uncertainty for its independent workforce.

Nationally, the best and worst states for freelancers show a clear divide. Vermont, Florida, and Wyoming topped the list as the most favorable environments. West Virginia ranked as the absolute worst state for self-employment.

The 2025 study confirms that Maryland presents a tough climate for its independent workforce. For freelancers in the state, navigating high costs and a competitive market requires careful planning. The ranking underscores the significant impact location has on self-employed success.

Info at your fingertips

What was Maryland’s exact ranking for freelancers?

Maryland was ranked as the 18th most challenging state for freelancers. It scored 44.58 out of 100 in the comprehensive study.

Which state was ranked the best for freelancers?

Vermont was named the best state for freelancers in 2025. It earned a top score of 67.70 due to its strong remote work adoption and lower living costs.

What is the biggest challenge for Maryland freelancers?

The high cost of living, especially rent, is the biggest challenge. The average rent in Maryland is over $400 more than the national average.

Does Maryland have laws to protect freelancers?

Maryland currently lacks specific statewide laws like New York’s “Freelance Isn’t Free Act.” This means freelancers have fewer legal guarantees for payment and contracts.

What factors were considered in the study?

The study analyzed cost-of-living, startup survival rates, and workforce demographics. It also looked at the percentage of self-employed workers and underemployment rates.