Cost Of Living in Lutherville, MD

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F

31%

Overall NAT. AVG.

2%

Groceries NAT. AVG.

83%

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	Lutherville	Maryland	National
Cost of living	131	121	100
Groceries	102	105	100
Health care	108	109	100
Housing	183	151	100
Transportation	113	109	100
Utilities	110	108	100
Lifestyle & Entertainment	107	109	100
Household Items	104	105	100
Education & Childcare	116	112	100

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Homes For Sale In Lutherville, MD

424 Talbott Ave

Lutherville Timonium, MD

1511 Francke Ave

Lutherville Timonium, MD

1806 Dulaney Valley Rd

Lutherville Timonium, MD

1423 School Ln

Lutherville Timonium, MD

Cost Of Living Quick Facts

The cost of living in Lutherville is 8% higher than the Maryland average
The cost of living in Lutherville is 31% 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
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	$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%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Bel Air CDP, MD	1,421	100	0.1%
Dundalk, MD	65,241	106	5.9%
Lansdowne, MD	8,964	104	4.0%
Baltimore, MD	621,744	108	7.9%
Essex, MD	40,724	108	7.7%
Lutherville, MD	6,961	131	30.6%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Yorketown, NJ	6,961	141	41.4%
Avon, CO	6,960	152	51.6%
Nevada, IA	6,959	90	10.2%
West Slope, OR	6,963	147	46.6%
Robertsdale, AL	6,958	90	10.2%
Lutherville, MD	6,961	131	30.6%

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.

Cost of Living in Lutherville, MD

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Cost Of Living Quick Facts

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Median Income & Debt-To-Income Ratio

Maryland Sales Tax

Maryland Income Tax

Nearby cities with low cost of living

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