Cost Of Living in Shady Side, MD

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F

34%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

95%

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	Shady Side	Maryland	National
Cost of living	134	121	100
Groceries	104	105	100
Health care	110	109	100
Housing	195	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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Homes For Sale In Shady Side, MD

1316 Juniper St

Shady Side, MD

1005 Hawk Channel Ct

West River, MD

4936 Lerch Dr

Shady Side, MD

1125 Cherry Point Rd

West River, MD

Cost Of Living Quick Facts

The cost of living in Shady Side is 11% higher than the Maryland average
The cost of living in Shady Side is 34% higher than the national average
Shady Side housing is 95% 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	$165,194	$13,766	$3,854	$4,956
Renters	$144,586	$12,049	$3,373	$4,338

To approximate the cost of living and the housing affordability in Shady Side, 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 Shady Side have a median income of $165,194. Therefore, the amount that a consumer should spend on housing costs should be no more than $3,854 per month to avoid calamity and poverty. The renters in the city have an income of about $144,586, which would make their monthly maximum allowable rental costs $3,373.

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.
Upper Marlboro, MD	601	118	18.2%
North Beach, MD	2,852	124	23.7%
Marlboro Village, MD	9,834	123	22.6%
Tilghman Island, MD	850	125	24.8%
Marlboro Meadows, MD	3,836	125	24.7%
Shady Side, MD	5,052	134	34.0%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Michigan Center, MI	5,052	90	10.3%
Windsor Heights, IA	5,051	101	0.7%
Winona Lake, IN	5,053	94	6.3%
Circle Pines, MN	5,053	105	5.5%
Cochran, GA	5,050	87	13.4%
Shady Side, MD	5,052	134	34.0%