A general overview of the cost of living index for Ferndale, MD is displayed above. In Ferndale, MD, the overall cost of living index is 113, which is 6% lower than the Maryland average and 13% higher than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Ferndale, MD, the city's goods and services are 3% lower than the Maryland average and 6% higher than the U.S. average.