Cumberland cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexCumberlandMarylandNational
Cost of living index86120100
IndexCumberlandMarylandNational
Goods & Services index104104100
Groceries index94113100
Health care index10392100
Housing index55154100
Transportation index90106100
Utilities index95103100
A general summary of the cost of living index in Cumberland, MD is shown above. Compared to the state average of Maryland the cost of living index in Cumberland, MD is 86, which is 29% lower than the average in Maryland and compared to the national average it is 14% lower than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In Cumberland, MD goods and services come in at equal to the average in Maryland and are 4% higher than compared to the nationwide average.

Did you know?

  • The cost of living in Cumberland is 29% lower than the Maryland average.
  • The cost of living in Cumberland is 14% lower than the national average.
  • The cost of housing in Cumberland is 45% lower than the national average.
  • Maryland general sales tax is 18% higher than the national average.
  • Maryland state income tax is 10% lower than the national average.

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Compare Cumberland, MD Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current salary in Cumberland, MD to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in Cumberland, MD, then you would need to earn more income in order to maintain the same standard of living. To use the Cumberland, MD salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$43,670$3,639$1,019$1,310
Renters$19,903$1,659$464$597
If you want to find a good determining factor for the cost of living and the general affordability of housing in Cumberland, MD, all you must look at is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Cumberland, MD, the median monthly income is $43,670 for those who own their own homes. Under the standard rule, that income level would allow for $1,019 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $19,903, per the median income in the area. That would allow for renters to spend up to $464 on monthly rental expenses.

Maryland Sales Tax

StateGeneral Sales TaxWith Max Surtax
Maryland6%6%

Maryland Income Tax

StateIncome Tax (Low)Income Tax (High)
Maryland2%5.75%
For those who live in Cumberland, MD and want to know what the true cost of living is, they ought to look at both the Maryland income tax rate and the Maryland sales tax rate. By sales tax, we mean the taxes that are included whenever a person is purchasing any goods or services. The amount that is taxed depends upon the particular state, where some states have a sales tax of zero percent while others can have a tax higher than seven percent. In Maryland, the sales tax is 6%, while the most you'll pay in surtax is 6%. There is also income tax to consider, which is based upon the amount of money made in a year. Just like sales tax, income tax depends upon the particular state but also depends upon what tax bracket the person is in. Income tax for the state can be higher than nine percent in some states to zero percent in others. For those that live in Maryland, the income tax rate ranges between 2% to 5.75%.

Goods & Services

ItemCumberlandNational avg.Difference
Haircut $10.22$15.5634.4%
Beauty Salon $30.25$36.1116.2%
Toothpaste $3.08$2.4724.6%
Shampoo $1.19$0.9623.0%
Movie $9.67$10.134.5%
Bowling $4.67$4.741.4%

Groceries

ItemCumberlandNational avg.Difference
Ground Beef $3.95$3.980.8%
Fried Chicken $1.17$1.4116.9%
Milk $1.81$2.0612.5%
Potatoes $3.08$2.983.2%
Pizza $9.83$9.473.8%
Beer $9.36$8.796.4%

Health Care

ItemCumberlandNational avg.Difference
Optometrist $89.89$101.0411.0%
Doctor $104.33$107.442.9%
Dentist $98.75$90.429.2%
Ibuprofen $9.77$9.285.3%
Lipitor $422.49$426.500.9%

Housing

ItemCumberlandNational avg.Difference
Home Price $91,600.00$175,700.0047.9%
Avg. Mortgage Payment $1,055.75$1,133.236.8%
Apartment Rent $581.00$920.0036.8%

Transportation

ItemCumberlandNational avg.Difference
Gasoline $1.94$1.992.8%
Tire Balancing $33.88$45.7626.0%

Utilities

ItemCumberlandNational avg.Difference
All Electricity$157.60$163.813.8%
Phone $27.03$28.394.8%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Oldtown, MD7999-1%
Bier, MD19499-1%
National, MD1199-1%
Spring Gap, MD3699-1%
Nikep, MD7297-3%
Cumberland, MD20,55786-14%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Sweetwater, FL20,56297-3%
Lomita, CA20,53914646%
Johnstown, PA20,57676-24%
Shelbyville, TN20,61685-15%
Hauppauge, NY20,61715959%
Cumberland, MD20,55786-14%
Source: The Cumberland, MD cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.