Havre de Grace 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.
IndexHavre de GraceMarylandNational
Cost of living index118115100
IndexHavre de GraceMarylandNational
Goods & Services index10891100
Groceries index103112100
Health care index10388100
Housing index145154100
Transportation index96108100
Utilities index11499100
Here we can see a simple outline of the cost of living in Havre de Grace, MD. As you can see, with the average cost of living in Havre de Grace, MD being 118, that puts it 2% higher than the average of Maryland and 18% higher than our nation's average. This simple outline of the cost of living index was formulated using prices of: goods and services (weighted 33%), housing prices (weighted 30%), groceries (weighted 13%), utilities (weighted 10%), transportation (weighted 9%), and health care (weighted 5%). Thus, goods/services, along with housing influences the majority of the cost of living index. The price of daily goods and services is a valuable and reliable number to be aware of when considering the general price of the city's goods. In the case of Havre de Grace, MD, the price of goods and services are 19% higher than the average of Maryland as well as 8% higher than the nation's average.

Did you know?

  • The cost of living in Havre de Grace is 2% higher than the Maryland average.
  • The cost of living in Havre de Grace is 18% higher than the national average.
  • The cost of housing in Havre de Grace is 45% higher 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 Havre de Grace, MD Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
Price difference in compared to
Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
The salary calculator is used in order to provide a comparison of your current salary in Havre de Grace, MD to another city of your choice. The calculator will inform you of what your salary needs to be in any specific city in order for you to maintain your living standard based on what the city’s cost of living is. As an example, if you are seeking to move to a city that has a higher cost of living compared to Havre de Grace, MD, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the Havre de Grace, MD salary calculator, input the new city’s name and then move the slider to indicate your current income. The salary calculator will now process the numbers and show you whether you need to earn more or less in the chosen city. A comprehensive breakdown of the cost of living will also be shown.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
One can approximate the cost of living and the housing affordability in Havre de Grace, MD by the percentage of a person’s income that he or she spends on the monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side and keep one’s head above the water, a consumer should never spend more than 28 percent of his or her gross income on housing-related expenses and costs and not more than 36 percent of income on all expenses and debts. Homeowners in Havre de Grace, MD have a median income of $91,508. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,135 per month to avoid calamity and poverty. The renters in the city have an income of about $36,667, which would make their monthly maximum allowable rental costs $856.

Maryland Sales Tax

StateGeneral Sales TaxWith Max Surtax

Maryland Income Tax

StateIncome Tax (Low)Income Tax (High)
When considering the overall cost of living expenses in Havre de Grace, MD, it's important to take into account the sales tax for Maryland, as well as the rate for income tax in Maryland. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for Maryland is 6%, and the sales tax in the state of Maryland is 6%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in Maryland starts from 2% and goes up to 5.75%.

Goods & Services

ItemHavre de GraceNational avg.Difference
Haircut $14.00$14.594.1%
Beauty Salon $40.00$34.6815.3%
Toothpaste $2.22$2.4710.2%
Shampoo $0.91$1.0211.0%
Movie $11.50$9.8716.5%
Bowling $4.50$4.392.5%


ItemHavre de GraceNational avg.Difference
Ground Beef $4.42$4.481.3%
Fried Chicken $1.56$1.466.6%
Milk $2.14$2.369.2%
Potatoes $3.66$3.0619.6%
Pizza $8.49$9.248.1%
Beer $8.49$8.631.7%

Health Care

ItemHavre de GraceNational avg.Difference
Optometrist $118.00$99.7818.3%
Doctor $87.50$105.0316.7%
Dentist $97.50$88.709.9%
Ibuprofen $9.42$9.410.1%
Lipitor $328.49$298.5010.0%


ItemHavre de GraceNational avg.Difference
Home Price $281,200.00$175,700.0060.0%
Avg. Mortgage Payment $1,153.85$1,081.036.7%
Apartment Rent $1,001.00$920.008.8%


ItemHavre de GraceNational avg.Difference
Gasoline $1.99$2.095.0%
Tire Balancing $45.00$45.290.6%


ItemHavre de GraceNational avg.Difference
All Electricity$222.61$170.8030.3%
Phone $25.95$28.268.2%
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.
Delta, PA63696-4%
Bel Air, MD1,11994-6%
Susquehanna Trails, PA2,90699-1%
Cecilton, MD6751066%
Edgewood, MD26,47999-1%
Havre de Grace, MD13,36011818%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Warrenville, IL13,3611066%
Brambleton, VA13,35715353%
Hendersonville, NC13,35097-3%
South Sioux City, NE13,37585-15%
Covington, GA13,34293-7%
Havre de Grace, MD13,36011818%
Source: The Havre de Grace, MD cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.