Cost Of Living in Spring Ridge, MD

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F

31%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

86%

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	Spring Ridge	Maryland	National
Cost of living	131	121	100
Groceries	104	105	100
Health care	110	109	100
Housing	186	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 Spring Ridge, MD

6322 Meandering Woods Ct

Frederick, MD

9418 Berkley Ln

Frederick, MD

6110 Baldridge Dr

Frederick, MD

6134 Baldridge Ter

Frederick, MD

Cost Of Living Quick Facts

The cost of living in Spring Ridge is 9% higher than the Maryland average
The cost of living in Spring Ridge is 31% higher than the national average
Spring Ridge housing is 86% 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	$180,557	$15,046	$4,213	$5,417
Renters	$89,909	$7,492	$2,098	$2,698

The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Spring Ridge, MD, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Spring Ridge, homeowners have a median income of $180,557. Using that number, a maximum of $4,213 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $89,909, which means there is a maximum of $2,098 to be spent on the costs of renting a home or apartment.

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.
Middleburg, MD	0	108	7.7%
Union Bridge, MD	993	107	7.1%
Bagtown, MD	409	115	15.2%
Thurmont, MD	7,034	116	16.3%
Mount Lena, MD	366	116	16.1%
Spring Ridge, MD	5,829	131	31.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Groveport, OH	5,828	97	3.2%
Hollidaysburg, PA	5,828	96	4.3%
Campbelltown, PA	5,830	110	10.4%
Denair, CA	5,832	132	31.6%
Warrenton, OR	5,832	116	16.4%
Spring Ridge, MD	5,829	131	31.3%

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 Spring Ridge, 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