MARYLAND · 8TH OF 51

Cost of living in Maryland

Prices, pay, taxes, homes and family budgets, county by county, from the same official data the site's calculators use.

The short answer: Prices in Maryland run 5.0% above the national average, 8th most expensive of the 50 states and DC. Rents run 21.1% above the national average. The median worker earns $59,510 a year. A typical home in the median Maryland county is worth $424,677.
Prices

How far a dollar goes in Maryland.

The Bureau of Economic Analysis measures price levels in every state against a national average of 100. Maryland scores 105.0 overall, so a $75,000 salary at average US prices buys what $78,719 buys here. Compare any salary with another state.

Price levelMaryland (US = 100)Rank, most expensive first
Everything105.08th of 51
Rents121.110th of 51
Goods102.5—
Other services101.6—

Home electricity averaged 17.86 cents a kilowatt-hour in 2024, against 17.06 across all states. A gallon of regular gas cost $3.94 at the end of August 2026, against $4.12.

Pay and taxes

What people earn, and what they keep.

Across all 2,763,030 jobs the Bureau of Labor Statistics counts in Maryland, the median pay is $59,510 a year, or $28.61 an hour; that ranks 8th of the 50 states and DC. One worker in ten earns less than $34,520 and one in ten more than $145,410.

Maryland taxes wages in brackets, with a top rate of 6.5%. The brackets in Maryland. A single filer on the median $59,510, with no retirement or health deductions, takes home about $47,222 a year, or $1,816 every two weeks, after $4,961 of federal income tax, $4,553 of Social Security and Medicare and $2,774 of state income tax. Work out your own paycheck in Maryland.

$59,510
median pay, all jobs
$28.61
median hourly pay
$47,222
take-home on the median, single filer
6.5%
top state income tax rate
Jobs

The most common jobs in Maryland.

The five occupations employing the most people, with their median annual pay:

Of the 20 largest occupations, the best paid are software developers ($138,680), general and operations managers ($117,930), project management specialists ($104,040). See what common jobs pay in every state.

Housing

What a home costs, and who can afford one.

Across the 24 Maryland counties with their own Zillow home value, the median typical home is worth $424,677, and across the 19 with their own rent figure the median typical rent is $1,940 a month. A typical home costs 3.59 years of the county's median family income, at the median county.

With 10% down at 7.03%, the average 30-year rate on September 24, 2026, that home costs about $3,320 a month with tax, insurance and mortgage insurance, which takes $142,302 a year of income under the usual 28% guideline. The median family can afford its own county's typical home in 8.3% of Maryland's counties, against 44.9% of counties nationally. Try it with your own income.

At the median county, home values changed +1.0% over the past year and +17.9% over five years, and rents +2.8% over the past year.

The most expensive Maryland counties are Howard County ($639,961), Montgomery County ($619,247) and Queen Anne's County ($530,985); the least expensive are Allegany County ($159,568), Baltimore city ($186,140) and Somerset County ($205,096).

What a household needs

A modest budget, priced county by county.

The Economic Policy Institute prices what a modest but adequate standard of living costs in every county: housing, food, transport, healthcare, childcare, other necessities and taxes. In the median Maryland county, that comes to $55,685 a year for one adult and $118,537 for two adults and two children, of which $20,555 is childcare. The national averages are $47,367 and $101,771. Median family income in the median county is $110,627.

Two adults, two childrenPer year, median countyPer month
Housing$20,595$1,716
Food$12,834$1,070
Transportation$18,977$1,581
Healthcare$13,371$1,114
Childcare$20,555$1,713
Other necessities$10,395$866
Taxes$19,364$1,614

Each line is its own median across counties, so the lines do not add up exactly to the total.

College

What college costs here.

The Department of Education's College Scorecard lists 75 colleges in Maryland, 30 of them public. The median public college reports a cost of attendance of $18,308 a year, covering tuition, housing, books and other expenses. Ten years after enrolling, the median school's former students earn $44,910. Compare degrees and schools.

Every county

All 24 counties.

Show the table
Allegany County$159,568+3.8%$1,020$71,767$93,239
Anne Arundel County$509,641+0.9%$2,341$141,201$144,046
Baltimore city$186,140−3.0%$1,803$73,681$113,700
Baltimore County$365,669+0.8%$1,727$113,535$131,848
Calvert County$488,965+1.4%$2,430$150,587$137,457
Caroline County$332,511+0.6%—$79,803$95,886
Carroll County$498,011+1.1%$1,813$139,997$128,361
Cecil County$387,213+1.2%$1,846$107,719$116,815
Charles County$451,805−1.2%$2,395$135,570$137,605
Dorchester County$272,255+1.2%—$80,558$90,953
Frederick County$505,026−0.1%$2,238$140,657$134,438
Garrett County$339,911+1.7%—$84,398$90,717
Harford County$423,476+1.0%$1,897$131,355$133,492
Howard County$639,961+0.2%$2,396$174,263$164,991
Kent County$392,199+2.1%—$104,630$98,499
Montgomery County$619,247−1.1%$2,334$158,399$158,537
Prince George's County$430,494−0.8%$1,940$118,434$132,262
Queen Anne's County$530,985+2.0%$2,228$130,657$127,605
Somerset County$205,096+3.3%—$70,366$96,643
St. Mary's County$437,878+3.2%$1,919$133,566$120,259
Talbot County$495,616−0.2%$2,239$106,439$103,254
Washington County$331,982+1.0%$1,437$92,568$101,216
Wicomico County$276,091+1.9%$1,584$90,334$100,601
Worcester County$425,877−1.7%$2,125$102,724$101,926

A dash means the source publishes no figure for that county. Home values and rents are Zillow's own county figures only; counties Zillow does not cover are left blank rather than filled with a state average.

Metro areas

The largest metro areas in Maryland.

Washington, DC (typical rent $2,456), Philadelphia, PA (typical rent $1,925), Baltimore, MD (typical rent $1,946).

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More about Maryland

Cost of living · Income tax · Child care costs

Run the numbersTake-home pay in Maryland · What a salary is worth in Maryland · How much rent you can afford · What a car costs in Maryland

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Where this comes from
Prices
Bureau of Economic Analysis, Regional Price Parities by State, 2024. Electricity: EIA average residential price, 2024. Gas: AAA state averages, August 30, 2026.
Pay
Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2025, all occupations. Take-home uses the paycheck calculator's 2026 federal tables and the state's own tax tables.
Homes and rents
Zillow Home Value Index and Observed Rent Index by county, July 2026. Mortgage rate: Freddie Mac, 7.03% on September 24, 2026; 1.1% property tax and $1,700 a year of insurance assumed.
Budgets and family income
Economic Policy Institute, Family Budget Calculator, 2026 edition, by county.
Jobs and colleges
BLS OEWS May 2025 by occupation. U.S. Department of Education College Scorecard, latest cohort. Home value and rent changes compare Zillow's latest month with the same month one and five years earlier.

County figures are medians across Maryland's counties, each counting once, so they describe the spread of places rather than of people. Property tax and insurance vary widely; the calculators let you use your own.

Keep reading
Cost of Living Calculator
What your salary is really worth in another state or county.
Home Affordability Calculator
The most house your income and debts support, and what it costs monthly.
Paycheck Calculator
Take-home pay after federal, state and FICA withholding.