Cost Of Living in Cearfoss, MD

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A-

7%

Overall NAT. AVG.

6%

Groceries NAT. AVG.

100%

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	Cearfoss	Maryland	National
Cost of living	107	121	100
Groceries	106	105	100
Health care	106	109	100
Housing	n/a	151	100
Transportation	109	109	100
Utilities	104	108	100
Lifestyle & Entertainment	110	109	100
Household Items	105	105	100
Education & Childcare	109	112	100

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Cost Of Living Quick Facts

The cost of living in Cearfoss is 12% lower than the Maryland average
The cost of living in Cearfoss is 7% higher than the national average
Cearfoss housing is 20% 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	$0	$0	$0	$0
Renters	$0	$0	$0	$0

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.
Bakersville, MD	0	107	6.9%
Big Spring, MD	51	107	6.9%
Pondsville, MD	40	107	6.9%
Indian Springs, MD	18	107	6.9%
Mercersville, MD	195	107	6.9%
Cearfoss, MD	120	107	6.9%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Oakhaven, AR	120	82	17.7%
Fernan Lake Village, ID	120	145	45.2%
Gem, KS	120	82	18.0%
Republic, KS	120	70	29.7%
Eagle, MI	120	87	13.3%
Cearfoss, MD	120	107	6.9%