Cost Of Living in Lutherville, MD

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F

29%

Overall NAT. AVG.

7%

Goods & Services NAT. AVG.

83%

Housing NAT. AVG.

Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; this is the most current data available.

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.
Index	Lutherville	Maryland	National
Cost of living	129	120	100
Goods & Services	107	108	100
Groceries	102	106	100
Health care	94	106	100
Housing	183	151	100
Transportation	100	100	100
Utilities	118	114	100

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Homes For Sale In Lutherville, MD

106 Gothard Rd

Lutherville Timonium, MD

212 Lincoln Ave

Lutherville Timonium, MD

Cost Of Living Quick Facts

The cost of living in Lutherville is 7% higher than the Maryland average
The cost of living in Lutherville is 29% higher than the national average
Lutherville housing is 83% 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
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$196,425	$16,369	$4,583	$5,893
Renters	$71,696	$5,975	$1,673	$2,151

The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Lutherville, MD, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Lutherville homeowners, is $196,425. This would allow for a maximum of $4,583 per month to be spent on housing costs. For renters, the median monthly income is $71,696 which would result in a maximum of $1,673 to be spent on rental 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%

Goods & Services

Item	Lutherville	National avg.	Difference
Haircut	$29.03	$27.62	5.1%
Beauty Salon	$66.19	$51.11	29.5%
Toothpaste	$4.10	$4.09	0.2%
Shampoo	$1.75	$1.54	13.5%
Movie	$16.90	$12.88	31.2%
Yoga	$26.29	$19.66	33.7%

Groceries

Item	Lutherville	National avg.	Difference
Ground Beef	$8.11	$7.70	5.3%
Fried Chicken	$1.53	$1.66	8.0%
Milk	$4.77	$4.73	0.8%
Potatoes	$5.46	$5.26	3.9%
Pizza	$14.70	$12.76	15.2%
Beer	$10.11	$10.55	4.2%

Health Care

Item	Lutherville	National avg.	Difference
Optometrist	$118.39	$140.06	15.5%
Doctor	$143.94	$153.82	6.4%
Dentist	$121.86	$123.15	1.0%
Ibuprofen	$12.13	$11.73	3.4%
Lipitor	$19.25	$23.61	18.5%

Housing

Item	Lutherville	National avg.	Difference
Home Price	$679,624.00	$326,622.00	108.1%
Avg. Mortgage Payment	$2,003.64	$2,480.25	19.2%
Apartment Rent	$1,808.00	$1,444.00	25.2%

Transportation

Item	Lutherville	National avg.	Difference
Gasoline	$3.09	$3.06	1.1%
Tire Balancing	$64.00	$65.21	1.9%

Utilities

Item	Lutherville	National avg.	Difference
All Electricity	$276.90	$220.12	25.8%
Phone	$204.16	$195.71	4.3%

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

City	Population	Cost of Living Index	National Avg.
Bel Air CDP, MD	1,421	100	0.4%
Dundalk, MD	65,241	103	3.5%
Lansdowne, MD	8,964	103	3.5%
Baltimore, MD	621,744	104	3.9%
Essex, MD	40,724	107	7.4%
Lutherville, MD	6,961	129	29.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Yorketown, NJ	6,961	138	37.7%
Avon, CO	6,960	151	51.2%
Nevada, IA	6,959	91	8.5%
West Slope, OR	6,963	149	48.7%
Robertsdale, AL	6,958	90	9.8%
Lutherville, MD	6,961	129	29.1%