Cost Of Living in Middletown, MD

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F

39%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

112%

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	Middletown	Maryland	National
Cost of living	139	121	100
Groceries	104	105	100
Health care	110	109	100
Housing	212	151	100
Transportation	108	109	100
Utilities	109	108	100
Lifestyle & Entertainment	110	109	100
Household Items	105	105	100
Education & Childcare	111	112	100

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Homes For Sale In Middletown, MD

4601 Feldspar Rd

Middletown, MD

2 Lombardy Dr

Middletown, MD

503 Glenbrook Dr

Middletown, MD

4432 Valley View Rd

Middletown, MD

Cost Of Living Quick Facts

The cost of living in Middletown is 15% higher than the Maryland average
The cost of living in Middletown is 39% higher than the national average
Middletown housing is 112% 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	$232,974	$19,415	$5,436	$6,990
Renters	$71,608	$5,967	$1,671	$2,148

The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Middletown, 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 Middletown homeowners, is $232,974. This would allow for a maximum of $5,436 per month to be spent on housing costs. For renters, the median monthly income is $71,608 which would result in a maximum of $1,671 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.
Breathedsville, MD	288	107	6.9%
Antietam, MD	47	107	6.9%
Kemps Mill, MD	0	107	6.9%
Eakles Mill, MD	0	107	6.9%
Mount Briar, MD	121	107	6.9%
Middletown, MD	4,813	139	39.0%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Dexter, MI	4,813	118	17.6%
Mountain Grove, MO	4,813	81	19.4%
Lindstrom, MN	4,811	104	4.1%
East Freehold, NJ	4,811	154	54.0%
Pleasant Run, OH	4,811	94	5.8%
Middletown, MD	4,813	139	39.0%

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 Middletown, 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

Cities with similar population