Kettering 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.
Cost of living index120115100
Goods & Services index9891100
Groceries index112112100
Health care index9488100
Housing index160154100
Transportation index121108100
Utilities index9899100
Here we can see a simple outline of the cost of living in Kettering, MD. As you can see, with the average cost of living in Kettering, MD being 120, that puts it 5% higher than the average of Maryland and 20% 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 Kettering, MD, the price of goods and services are 7% higher than the average of Maryland as well as 2% lower than the nation's average.

Did you know?

  • The cost of living in Kettering is 5% higher than the Maryland average.
  • The cost of living in Kettering is 20% higher than the national average.
  • The cost of housing in Kettering is 60% 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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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 Kettering, 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 Kettering, MD, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the Kettering, 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)
A good way to judge both the affordability of the housing and the cost of living is by simply calculating the maximum that a person should spend on housing in Kettering, MD, otherwise known as the debt-to-income ratio (DTI). The safest way to live in the city is to avoid spending more than 28 percent of the gross income that one earns on costs that pertain to housing and no more than 36 percent on all expenses and debts. Kettering, MD has a median income of about $93,333 for people who own homes. Based on that number, a person should spend a maximum of $2,178 on expenses related to housing. Renters have a slightly different median income, which is $69,179. Based on this average, renters should spend no more than $1,614 on all of their rental costs if they want to maintain a non-impoverished standard of living.

Maryland Sales Tax

StateGeneral Sales TaxWith Max Surtax

Maryland Income Tax

StateIncome Tax (Low)Income Tax (High)
When assessing the complete cost of living in Kettering, MD, the Maryland income tax and the Maryland sales tax percentages should unquestionably be taken into consideration. Sales taxes aren't just levies imposed onto sold goods, but they also include taxes that are charged when services are provided for a fee. The rates are different from state to state and can run has high as 7 percent. Some states have no sales tax at all. The Maryland maximum surtax is 6%, and the Maryland sales tax is 6%. By contrast, income tax is an unfortunate obligation that is charged by the government against earnings. Just like sales taxes, the rates for income taxes differ from state to state. They also decrease or increase according to the individual's tax bracket. Tax rates can run as high as 9 percent, with a minimum of zero. Income tax rates range from 2% to 5.75% in Maryland.

Goods & Services

ItemKetteringNational avg.Difference
Haircut $17.50$14.5919.9%
Beauty Salon $53.25$34.6853.5%
Toothpaste $2.24$2.479.4%
Shampoo $1.02$1.020.2%
Movie $12.71$9.8728.8%
Bowling $5.38$4.3922.5%


ItemKetteringNational avg.Difference
Ground Beef $3.49$4.4822.0%
Fried Chicken $1.66$1.4613.4%
Milk $2.68$2.3613.7%
Potatoes $3.69$3.0620.5%
Pizza $8.00$9.2413.4%
Beer $9.29$8.637.6%

Health Care

ItemKetteringNational avg.Difference
Optometrist $73.50$99.7826.3%
Doctor $87.20$105.0317.0%
Dentist $86.40$88.702.6%
Ibuprofen $11.38$9.4120.9%
Lipitor $293.64$298.501.6%


ItemKetteringNational avg.Difference
Home Price $255,200.00$175,700.0045.2%
Avg. Mortgage Payment $2,743.63$1,081.03153.8%
Apartment Rent $1,787.00$920.0094.2%


ItemKetteringNational avg.Difference
Gasoline $2.59$2.0923.8%
Tire Balancing $52.00$45.2914.8%


ItemKetteringNational avg.Difference
All Electricity$167.80$170.801.8%
Phone $27.32$28.263.3%
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.
Cottage City, MD1,07099-1%
Belle Haven, VA37695-5%
Capitol Heights, MD4,4521055%
Silver Hill, MD5,3351055%
Seat Pleasant, MD4,6561055%
Kettering, MD13,33112020%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
New Ulm, MN13,32890-10%
World Golf Village, FL13,32611414%
Grover Beach, CA13,33713232%
Carpinteria, CA13,32315656%
Canton, MS13,32183-17%
Kettering, MD13,33112020%
Source: The Kettering, MD cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.