Cost Of Living in Madison, MD

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F

68%

Overall NAT. AVG.

7%

Groceries NAT. AVG.

207%

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	Madison	Maryland	National
Cost of living	168	121	100
Groceries	107	105	100
Health care	109	109	100
Housing	307	151	100
Transportation	110	109	100
Utilities	106	108	100
Lifestyle & Entertainment	111	109	100
Household Items	104	105	100
Education & Childcare	108	112	100

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Homes For Sale In Madison, MD

1113 Taylors Island Rd

Madison, MD

1252 Old Madison Rd

Madison, MD

1250 Old Madison Rd

Madison, MD

4808 Saltmarsh Rd

Madison, MD

Cost Of Living Quick Facts

The cost of living in Madison is 39% higher than the Maryland average
The cost of living in Madison is 68% higher than the national average
Madison housing is 207% 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	$135,226	$11,269	$3,155	$4,057
Renters	$0	$0	$0	$0

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.
Taylors Island, MD	85	110	10.1%
Elliott, MD	39	108	7.7%
Cambridge, MD	12,776	103	3.3%
Secretary, MD	515	104	3.7%
Church Creek, MD	76	107	6.5%
Madison, MD	169	168	67.6%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Beaverton, AL	169	78	22.0%
Movico, AL	169	96	3.7%
Calpine, CA	169	143	43.2%
Bethune, CO	169	92	7.8%
Captiva, FL	169	223	123.2%
Madison, MD	169	168	67.6%

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 Madison, MD

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