Cost Of Living in Naval Academy, MD

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F

46%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

133%

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	Naval Academy	Maryland	National
Cost of living	146	121	100
Groceries	104	105	100
Health care	110	109	100
Housing	233	151	100
Transportation	110	109	100
Utilities	109	108	100
Lifestyle & Entertainment	108	109	100
Household Items	107	105	100
Education & Childcare	112	112	100

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Cost Of Living Quick Facts

The cost of living in Naval Academy is 20% higher than the Maryland average
The cost of living in Naval Academy is 46% higher than the national average
Naval Academy housing is 133% 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	$0	$0	$0	$0
Renters	$147,838	$12,320	$3,449	$4,436

The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Naval Academy, 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 Naval Academy homeowners, is $0. This would allow for a maximum of $0 per month to be spent on housing costs. For renters, the median monthly income is $147,838 which would result in a maximum of $3,449 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.
Edesville, MD	166	106	6.5%
Rock Hall, MD	1,594	105	5.3%
Ferndale, MD	18,230	119	19.2%
Glen Burnie, MD	71,246	119	19.4%
Upper Marlboro, MD	601	118	18.2%
Naval Academy, MD	5,811	146	45.5%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Palm Springs North, FL	5,812	144	43.5%
Fernie, BC	5,812	n/a
Trooper, PA	5,808	115	14.7%
North Manchester, IN	5,814	87	12.8%
Buckner, KY	5,814	117	16.5%
Naval Academy, MD	5,811	146	45.5%