Cost Of Living in Havre de Grace, MD

Get 300+ Local Insights for Any Address in Havre de Grace, MD

Get Access to 300+ Local Data Points

C-

19%

Overall NAT. AVG.

5%

Groceries NAT. AVG.

45%

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	Havre de Grace	Maryland	National
Cost of living	119	121	100
Groceries	105	105	100
Health care	108	109	100
Housing	145	151	100
Transportation	106	109	100
Utilities	112	108	100
Lifestyle & Entertainment	108	109	100
Household Items	106	105	100
Education & Childcare	110	112	100

Does this Area Fit Your Budget?

Know the community before you call it home
Compare multiple areas side by side
Access over 300 data points for any address

GET REPORT →

Homes For Sale In Havre de Grace, MD

25 Walnut St

Havre De Grace, MD

308 Gallant Fox Dr

Havre de Grace, MD

1713 Carver Cir

Havre de Grace, MD

124 Gracecroft Dr

Havre de Grace, MD

An Overview of Cost of Living in Havre de Grace, MD

Knowing the cost of living in Havre de Grace allows individuals to create a realistic budget. This helps them understand how their income will cover expenses and whether they need to make financial adjustments. The cost of living in any region can fluctuate due to various factors. To assess the cost of living consistently across different areas, a national average of 100 serves as the basis for the cost of living index. The cost of living in Havre de Grace stands at 119, marking it 19% higher than the national average.

When it comes to the cost of living in Havre de Grace, housing costs are a real heavyweight, often hogging a significant chunk of your earnings. Sadly, in this area, housing expenses for both buying and renting were 44.5% more expensive compared to your average city. That means you'll be shelling out more for homes, rents, mortgage rates and insurance.

Is Havre de Grace Affordable?

Is Havre de Grace an affordable place to live? That's a valid question to ask when you're thinking about moving to a new city. After all, how much it costs to live somewhere can be a huge factor in your decision. Affordability can be broken down into 3 common categories. The cost of living index (we talked about it earlier), housing expenses and income levels all play a big role in figuring out if a place is affordable. For instance, in Havre de Grace, the median home price is 59.5% higher than what most folks pay across the country, and monthly rent prices are 9.6% higher than the usual rates. Income levels in Havre de Grace come in at $119,234, which is 46.6% higher than the national average.

What Factors can Influence the Cost of Living in Havre de Grace?

Urbanization: Larger, urban hubs brimming with ample amenities and robust employment opportunities often showcase a heightened cost of living. This surge is primarily attributed to the amplified demand for services and increased residential migration, culminating in elevated home prices and elevated rental rates. Conversely, less densely populated rural locales or regions characterized by reduced demand tend to offer a more limited array of amenities and undergo slower job market growth, ultimately yielding a more affordable cost of living.

Housing: When everyone's vying for homes in popular areas, it drives up property prices and rents, making the overall cost of living surge. On the flip side, in less sought-after locales, where housing demand is low, prices tend to dip, resulting in a more economical cost of living. In Havre de Grace, the housing index comes in at 44.5% higher than the national average.

Utilities: Like everything else, utilities costs can range significantly depending on factors like climate, energy sources available, location and even state regulations. Things like electricity, water, heating and waste disposal costs can be higher or lower, depending on the city or state. The utilities index in Havre de Grace comes in at 11.7% higher than the national average.

Where is the Data From?

The cost of living data for Havre de Grace shown above is based on a U.S. average baseline score of 100, making it easier to compare how far your dollar may go from one city to another. Housing uses U.S. Census home price and rental data, while all remaining values are AI-assisted estimates informed by regional pricing, climate, transportation dynamics, and local economic factors. These scores are best used for directional comparisons between cities.

Cost Of Living Quick Facts

The cost of living in Havre de Grace is 2% lower than the Maryland average
The cost of living in Havre de Grace is 19% higher than the national average
Havre de Grace housing is 45% 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 Havre de Grace

See all the best places to live around Havre de Grace

Compare Havre de Grace, MD Cost of Living

Write a review to give others more information about this area.

See all Havre de Grace poll results

The best places in Maryland

Here are the best places to live in Maryland

Check out the 10 most dangerous cities in Maryland

These are the largest cities in Maryland

Most Dangerous States In The US

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	$155,884	$12,990	$3,637	$4,677
Renters	$61,327	$5,111	$1,431	$1,840

To approximate the cost of living and the housing affordability in Havre de Grace, MD, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Havre de Grace have a median income of $155,884. Therefore, the amount that a consumer should spend on housing costs should be no more than $3,637 per month to avoid calamity and poverty. The renters in the city have an income of about $61,327, which would make their monthly maximum allowable rental costs $1,431.

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.
Bel Air CDP, MD	1,421	100	0.1%
Delta, PA	525	102	2.5%
Susquehanna Trails, PA	2,106	103	2.9%
Galena, MD	782	99	0.6%
Port Deposit, MD	647	106	5.6%
Havre de Grace, MD	14,096	119	18.5%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Forest Park, IL	14,099	108	8.0%
Wauconda, IL	14,103	108	7.9%
Chelsea, AL	14,088	106	5.8%
Bensville, MD	14,105	143	43.3%
Waimalu, HI	14,084	155	55.3%
Havre de Grace, MD	14,096	119	18.5%

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.