Cost Of Living in Bel Air CDP, MD

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0%

Overall NAT. AVG.

2%

Groceries NAT. AVG.

15%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Bel Air CDP	Maryland	National
Cost of living	100	121	100
Groceries	102	105	100
Health care	109	109	100
Housing	85	151	100
Transportation	106	109	100
Utilities	108	108	100
Lifestyle & Entertainment	111	109	100
Household Items	104	105	100
Education & Childcare	110	112	100

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Cost Of Living Quick Facts

The cost of living in Bel Air CDP is 17% lower than the Maryland average
The cost of living in Bel Air CDP is equal to the national average
Bel Air CDP housing is 15% lower than the national average
Maryland general sales tax is 18% higher than the national average
Maryland state income tax is 23% lower than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$88,854	$7,405	$2,073	$2,666
Renters	$13,796	$1,150	$322	$414

The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Bel Air CDP, MD, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Bel Air CDP, homeowners have a median income of $88,854. Using that number, a maximum of $2,073 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $13,796, which means there is a maximum of $322 to be spent on the costs of renting a home or apartment.

Maryland Sales Tax

State	General Sales Tax	With Max Surtax
Maryland	6%	6%

Maryland Income Tax

State	Income Tax (Low)	Income Tax (High)
Maryland	2%	5.75%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Delta, PA	525	102	2.5%
Port Deposit, MD	647	106	5.6%
Perryman, MD	2,461	107	6.6%
Betterton, MD	425	107	7.4%
Edgewood, MD	26,016	108	7.6%
Bel Air CDP, MD	1,421	100	0.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Virginia, IL	1,421	83	17.2%
Richmond, MN	1,421	94	5.5%
White Sands, NM	1,421	108	8.4%
Milroy, PA	1,421	87	13.3%
Matagami, QC	1,421	n/a
Bel Air CDP, MD	1,421	100	0.1%