White Oak 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.
IndexWhite OakMarylandNational
Cost of living index133120100
IndexWhite OakMarylandNational
Goods & Services index104104100
Groceries index113113100
Health care index9592100
Housing index199154100
Transportation index109106100
Utilities index100103100
Here we can see a simple outline of the cost of living in White Oak, MD. As you can see, with the average cost of living in White Oak, MD being 133, that puts it 11% higher than the average of Maryland and 33% 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 White Oak, MD, the price of goods and services are equal to the average of Maryland as well as 4% higher than the nation's average.

Did you know?

  • The cost of living in White Oak is 11% higher than the Maryland average.
  • The cost of living in White Oak is 33% higher than the national average.
  • The cost of housing in White Oak is 99% 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 White Oak, 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 White Oak, MD, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the White Oak, 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)
Owners$117,371$9,781$2,738$3,521
Renters$47,476$3,956$1,108$1,424
If you want to find a good determining factor for the cost of living and the general affordability of housing in White Oak, 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 White Oak, MD, the median monthly income is $117,371 for those who own their own homes. Under the standard rule, that income level would allow for $2,738 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $47,476, per the median income in the area. That would allow for renters to spend up to $1,108 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%
When you are determining the total cost of living in White Oak, MD you will want to make sure you consider both the Maryland sales tax and the Maryland income tax rates. Sales tax come in the form of taxes levied on both services and goods that are sold. The sales tax rates are different state to state and range from zero sales tax to higher than 7%. The sales tax in Maryland is 6%, with the highest surtax being 6%. Tax that is on income by the government is income tax. Different states have different income tax rates and these rates can be higher or lower dependent on the corresponding tax bracket. The state income tax rates are different state to state and range from no income tax to more than 9% income tax. The income tax rates in Maryland have a range from 2% to 5.75%.

Goods & Services

ItemWhite OakNational avg.Difference
Haircut $19.56$15.5625.7%
Beauty Salon $55.56$36.1153.9%
Toothpaste $2.78$2.4712.6%
Shampoo $0.99$0.962.2%
Movie $13.06$10.1328.9%
Bowling $5.30$4.7411.9%

Groceries

ItemWhite OakNational avg.Difference
Ground Beef $4.32$3.988.5%
Fried Chicken $1.87$1.4132.9%
Milk $2.37$2.0614.7%
Potatoes $3.85$2.9829.2%
Pizza $9.82$9.473.7%
Beer $9.99$8.7913.6%

Health Care

ItemWhite OakNational avg.Difference
Optometrist $72.75$101.0428.0%
Doctor $93.11$107.4413.3%
Dentist $85.67$90.425.3%
Ibuprofen $10.08$9.288.6%
Lipitor $443.02$426.503.9%

Housing

ItemWhite OakNational avg.Difference
Home Price $380,500.00$175,700.00116.6%
Avg. Mortgage Payment $2,420.26$1,133.23113.6%
Apartment Rent $1,440.00$920.0056.5%

Transportation

ItemWhite OakNational avg.Difference
Gasoline $2.15$1.997.7%
Tire Balancing $51.28$45.7612.1%

Utilities

ItemWhite OakNational avg.Difference
All Electricity$172.28$163.815.2%
Phone $26.86$28.395.4%
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, MD1,0701088%
Capitol Heights, MD4,45211414%
Silver Hill, MD5,33511414%
Seat Pleasant, MD4,65611414%
Landover, MD23,11211414%
White Oak, MD18,10113333%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Frankfort, IL18,10012727%
Cary, IL18,11511414%
Oswego, NY18,11990-10%
Manchester, MO18,1251033%
Tumwater, WA18,12811010%
White Oak, MD18,10113333%
Source: The White Oak, MD cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.