Cost Of Living in Cape St. Claire, MD

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F

36%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

101%

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	Cape St. Claire	Maryland	National
Cost of living	136	121	100
Groceries	104	105	100
Health care	110	109	100
Housing	201	151	100
Transportation	110	109	100
Utilities	109	108	100
Lifestyle & Entertainment	108	109	100
Household Items	107	105	100
Education & Childcare	112	112	100

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Homes For Sale In Cape St. Claire, MD

566 Quaker Ridge Ct #116

Arnold, MD

577 Quaker Ridge Ct

Arnold, MD

1189 Highview Dr

Annapolis, MD

1337 Swan Dr

Annapolis, MD

Cost Of Living Quick Facts

The cost of living in Cape St. Claire is 13% higher than the Maryland average
The cost of living in Cape St. Claire is 36% higher than the national average
Cape St. Claire housing is 101% higher 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	$171,320	$14,277	$3,997	$5,140
Renters	$114,929	$9,577	$2,681	$3,448

The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Cape St. Claire, 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 Cape St. Claire, homeowners have a median income of $171,320. Using that number, a maximum of $3,997 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $114,929, which means there is a maximum of $2,681 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.
Georgetown, MD	23	106	6.5%
Edesville, MD	166	106	6.5%
Lansdowne, MD	8,964	104	4.0%
Rock Hall, MD	1,594	105	5.3%
Fairlee, MD	539	106	5.7%
Cape St. Claire, MD	8,658	136	36.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Zorra, ON	8,659	n/a
Evergreen, MT	8,660	107	6.7%
Dormont, PA	8,661	97	2.9%
Westwego, LA	8,662	91	9.1%
Seneca, SC	8,653	94	5.8%
Cape St. Claire, MD	8,658	136	36.1%