Cost Of Living in Smithsburg, MD

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B

10%

Overall NAT. AVG.

6%

Groceries NAT. AVG.

18%

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	Smithsburg	Maryland	National
Cost of living	110	121	100
Groceries	106	105	100
Health care	106	109	100
Housing	118	151	100
Transportation	109	109	100
Utilities	104	108	100
Lifestyle & Entertainment	110	109	100
Household Items	105	105	100
Education & Childcare	109	112	100

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Homes For Sale In Smithsburg, MD

13008 Still Meadow Rd

Smithsburg, MD

21712 Chewsville Rd

Smithsburg, MD

22157 Holiday Dr

Smithsburg, MD

13405 John Kline Rd

Smithsburg, MD

Cost Of Living Quick Facts

The cost of living in Smithsburg is 9% lower than the Maryland average
The cost of living in Smithsburg is 10% higher than the national average
Smithsburg housing is 18% 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	$153,157	$12,763	$3,573	$4,595
Renters	$48,952	$4,079	$1,142	$1,469

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.
Bakersville, MD	0	107	6.9%
Pondsville, MD	40	107	6.9%
Sabillasville, MD	403	107	6.9%
Mercersville, MD	195	107	6.9%
Breathedsville, MD	288	107	6.9%
Smithsburg, MD	3,042	110	10.4%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Bonny Doon, CA	3,042	198	98.3%
Watkinsville, GA	3,042	109	9.3%
Gillespie, IL	3,043	84	16.1%
Glenville, CT	3,040	200	99.6%
Madison, IL	3,040	79	21.2%
Smithsburg, MD	3,042	110	10.4%

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 Smithsburg, 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