Cost Of Living in Manchester, MD

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C

18%

Overall NAT. AVG.

6%

Groceries NAT. AVG.

43%

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	Manchester	Maryland	National
Cost of living	118	121	100
Groceries	106	105	100
Health care	107	109	100
Housing	143	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 Manchester, MD

3325 Maple Grove Rd

Manchester, MD

Water Tank Rd

Manchester, MD

20128 Gunpowder Rd

Manchester, MD

2511 Highcrest Ct

Manchester, MD

Cost Of Living Quick Facts

The cost of living in Manchester is 2% lower than the Maryland average
The cost of living in Manchester is 18% higher than the national average
Manchester housing is 43% 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	$152,214	$12,685	$3,551	$4,567
Renters	$55,999	$4,667	$1,307	$1,680

To approximate the cost of living and the housing affordability in Manchester, 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 Manchester have a median income of $152,214. Therefore, the amount that a consumer should spend on housing costs should be no more than $3,551 per month to avoid calamity and poverty. The renters in the city have an income of about $55,999, which would make their monthly maximum allowable rental costs $1,307.

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.
Jefferson borough (Greene County), PA	258	88	12.2%
Midway, PA	1,044	89	11.3%
Midway borough, PA	913	90	10.3%
Seven Valleys, PA	648	94	5.9%
New Oxford, PA	1,840	96	3.7%
Manchester, MD	4,868	118	17.9%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Lower Grand Lagoon, FL	4,867	113	12.8%
Santa Ynez, CA	4,869	195	95.4%
New Freedom, PA	4,869	118	17.9%
Unalaska, AK	4,865	145	45.1%
Rockwell, AR	4,865	98	2.3%
Manchester, MD	4,868	118	17.9%

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 Manchester, MD

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Nearby cities with low cost of living

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