Cost Of Living in Spencerville, MD

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F

52%

Overall NAT. AVG.

5%

Groceries NAT. AVG.

155%

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	Spencerville	Maryland	National
Cost of living	152	121	100
Groceries	105	105	100
Health care	110	109	100
Housing	255	151	100
Transportation	109	109	100
Utilities	107	108	100
Lifestyle & Entertainment	104	109	100
Household Items	104	105	100
Education & Childcare	116	112	100

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Homes For Sale In Spencerville, MD

1320 Rainbow Dr

Silver Spring, MD

2307 Spencerville Rd

Spencerville, MD

Cost Of Living Quick Facts

The cost of living in Spencerville is 26% higher than the Maryland average
The cost of living in Spencerville is 52% higher than the national average
Spencerville housing is 155% 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	$179,148	$14,929	$4,180	$5,375
Renters	$0	$0	$0	$0

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.
Cottage City, MD	1,193	105	5.5%
Woodlawn CDP (Prince George's County), MD	8,071	110	9.6%
Woodlawn, MD	42,611	113	13.2%
Landover, MD	23,705	115	15.3%
Greenbelt, MD	23,942	117	16.6%
Spencerville, MD	1,719	152	51.9%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Cedar Bluff, AL	1,720	86	14.3%
Oriole Beach, FL	1,720	113	12.6%
Lakin, KS	1,718	83	16.6%
Olivet, MI	1,720	87	12.8%
Wakefield, MI	1,720	80	19.9%
Spencerville, MD	1,719	152	51.9%