Overall 15%
Goods & Services 8%
Housing 33%
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The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Cost of living115119100
Goods & Services108105100
Health care8483100

Key findings

  • The cost of living in Frederick is 3% lower than the Maryland average
  • The cost of living in Frederick is 15% higher than the national average
  • Frederick housing is 33% higher than the national average
  • Maryland general sales tax is 18% higher than the national average
  • Maryland state income tax is 19% lower than the national average

Most Affordable Places to Live in and Around Frederick

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Compare Frederick, MD Cost of Living

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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
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
      A good indicator of the general affordability of housing in Frederick, 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 Frederick, the median monthly income is $89,362 for those who own their own homes. Under the standard rule, that income level would allow for $2,085 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $50,814, per the median income in the area. That would allow for renters to spend up to $1,186 on monthly rental expenses.

      Maryland Sales Tax

      StateGeneral Sales TaxWith Max Surtax

      Maryland Income Tax

      StateIncome Tax (Low)Income Tax (High)

      Goods & Services

      ItemFrederickNational avg.Difference
      Haircut $26.32$20.2729.8%
      Beauty Salon $64.54$40.3959.8%
      Toothpaste $2.19$2.367.3%
      Shampoo $0.96$1.0811.2%
      Movie $12.17$10.9910.8%
      Bowling $17.02$15.499.9%


      ItemFrederickNational avg.Difference
      Ground Beef $5.18$4.3020.5%
      Fried Chicken $1.53$1.409.6%
      Milk $2.49$2.2012.9%
      Potatoes $3.30$3.222.4%
      Pizza $11.96$10.7411.4%
      Beer $10.97$9.6014.3%

      Health Care

      ItemFrederickNational avg.Difference
      Optometrist $74.77$109.7331.9%
      Doctor $96.52$118.3418.4%
      Dentist $86.86$100.9414.0%
      Ibuprofen $9.92$9.930.2%
      Lipitor $398.89$469.5315.0%


      ItemFrederickNational avg.Difference
      Home Price $245,500.00$184,700.0032.9%
      Avg. Mortgage Payment $2,757.85$1,229.62124.3%
      Apartment Rent $1,253.00$949.0032.0%


      ItemFrederickNational avg.Difference
      Gasoline $2.97$2.719.5%
      Tire Balancing $61.49$51.8618.6%


      ItemFrederickNational avg.Difference
      All Electricity$180.30$170.845.5%
      Phone $194.85$187.184.1%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      CityPopulationCost of Living IndexNational Avg.
      Trego-Rohrersville Station, MD51991.5%
      Middleburg, MD191033.0%
      Yarrowsburg, MD0991.5%
      Eakles Mill, MD0991.5%
      Gapland, MD72991.5%
      Frederick, MD68,22911515.0%

      Cities with similar population

      CityPopulationCost of Living IndexNational Avg.
      Mount Vernon, NY68,21714242.2%
      St. Charles, MO68,341990.6%
      Waterloo, IA68,3578119.5%
      Dothan, AL68,066937.1%
      Jacksonville, NC68,404927.7%
      Frederick, MD68,22911515.0%
      Source: This data reflects 2021 and was released from C2ER in January, 2022; this is the most current data available.