Cost of Living in Chesapeake Beach, MD

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F
31%
Overall NAT. AVG.
5%
Groceries NAT. AVG.
87%
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 Chesapeake Beach Maryland National
Cost of living131121100
Groceries105105100
Health care107109100
Housing187151100
Transportation109109100
Utilities107108100
Lifestyle & Entertainment104109100
Household Items104105100
Education & Childcare110112100
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Homes For Sale In Chesapeake Beach, MD

property for sale

3817 Bayview Dr

Chesapeake Beach, MD
property for sale

2183 Ivy Ln #4

Chesapeake Beach, MD
property for sale

3640 Estelle Ct

Chesapeake Beach, MD
property for sale

7601 I St

Chesapeake Beach, MD

Cost Of Living Quick Facts

  • The cost of living in Chesapeake Beach is 8% higher than the Maryland average
  • The cost of living in Chesapeake Beach is 31% higher than the national average
  • Chesapeake Beach housing is 87% 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

Most Affordable Places to Live in and Around Chesapeake Beach

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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
      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$175,106$14,592$4,086$5,254
      Renters$59,486$4,957$1,388$1,785
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Chesapeake Beach, 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 Chesapeake Beach, homeowners have a median income of $175,106. Using that number, a maximum of $4,086 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $59,486, which means there is a maximum of $1,388 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.
      Cedarville, MD59911010.1%
      Eagle Harbor, MD441032.7%
      Benedict, MD18811716.8%
      Prince Frederick, MD2,80812120.5%
      Upper Marlboro, MD60111818.2%
      Chesapeake Beach, MD6,15913130.8%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Rhineland, MB6,159n/a 
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      Rib Mountain, WI6,1621000.2%
      Saranap, CA6,163222122.4%
      Chesapeake Beach, MD6,15913130.8%
      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.
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