Cost Of Living in Darnestown, MD

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F

101%

Overall NAT. AVG.

8%

Groceries NAT. AVG.

313%

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	Darnestown	Maryland	National
Cost of living	201	121	100
Groceries	108	105	100
Health care	107	109	100
Housing	413	151	100
Transportation	113	109	100
Utilities	112	108	100
Lifestyle & Entertainment	113	109	100
Household Items	104	105	100
Education & Childcare	112	112	100

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Homes For Sale In Darnestown, MD

15814 Glacier Ct

North Potomac, MD

13165 Violettes Lock Rd

Germantown, MD

14608 Falling Leaf Way

Gaithersburg, MD

15301 Spring Meadows Dr

Germantown, MD

Cost Of Living Quick Facts

The cost of living in Darnestown is 66% higher than the Maryland average
The cost of living in Darnestown is 101% higher than the national average
Darnestown housing is 313% 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	$283,009	$23,584	$6,603	$8,491
Renters	$0	$0	$0	$0

A good indicator of the general affordability of housing in Darnestown, MD, 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 Darnestown, the median monthly income is $283,009 for those who own their own homes. Under the standard rule, that income level would allow for $6,603 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $0, per the median income in the area. That would allow for renters to spend up to $0 on monthly rental expenses.

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.
Leisure World, MD	9,569	119	19.1%
Montgomery Village, MD	35,133	127	26.7%
University Center, VA	3,997	124	24.4%
Point of Rocks, MD	2,112	127	27.4%
Germantown, MD	92,229	134	34.4%
Darnestown, MD	7,001	201	100.5%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Cortland, OH	7,001	92	8.3%
Lincoln, AL	7,002	91	9.3%
Mira Monte, CA	6,999	170	70.2%
Lochbuie, CO	7,003	116	15.5%
Mount Healthy, OH	6,996	86	14.2%
Darnestown, MD	7,001	201	100.5%