Cost Of Living in Garrison, MD

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D+

21%

Overall NAT. AVG.

6%

Groceries NAT. AVG.

55%

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	Garrison	Maryland	National
Cost of living	121	121	100
Groceries	106	105	100
Health care	107	109	100
Housing	155	151	100
Transportation	109	109	100
Utilities	105	108	100
Lifestyle & Entertainment	105	109	100
Household Items	107	105	100
Education & Childcare	110	112	100

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Homes For Sale In Garrison, MD

12 Stone Gate Ct

Pikesville, MD

24 Stags Leap Ct

Pikesville, MD

7907 Valley Manor Rd Unit H

Owings Mills, MD

2705 Spring Hill Rd

Owings Mills, MD

Cost Of Living Quick Facts

The cost of living in Garrison is 1% higher than the Maryland average
The cost of living in Garrison is 21% higher than the national average
Garrison housing is 55% 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	$156,187	$13,016	$3,644	$4,686
Renters	$110,312	$9,193	$2,574	$3,310

The affordability of the housing market in Garrison, MD as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Garrison homeowners, the median income is $156,187. This indicates that a monthly maximum of $3,644 should be spent by homeowners on all housing related costs. Renters have a median income of $110,312. This indicates that renters would have a maximum of $2,574 for their rent related monthly costs.

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.
Dundalk, MD	65,241	106	5.9%
Lansdowne, MD	8,964	104	4.0%
Baltimore, MD	621,744	108	7.9%
Woodlawn CDP (Prince George's County), MD	8,071	110	9.6%
Parkville, MD	31,074	110	10.1%
Garrison, MD	9,145	121	21.5%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Fort Polk South, LA	9,145	99	0.6%
Scott, LA	9,146	91	8.6%
Newark, NY	9,146	95	4.8%
Willow Street, PA	9,148	117	16.5%
Lorraine, QC	9,148	n/a
Garrison, MD	9,145	121	21.5%