Cost Of Living in St. Michaels, MD

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F

38%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

109%

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	St. Michaels	Maryland	National
Cost of living	138	121	100
Groceries	104	105	100
Health care	110	109	100
Housing	209	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 St. Michaels, MD

962 San Domingo Ct

Saint Michaels, MD

202 E Chestnut St

Saint Michaels, MD

8090 Bozman Neavitt Rd

Bozman, MD

602 Landing Rd

Saint Michaels, MD

Cost Of Living Quick Facts

The cost of living in St. Michaels is 14% higher than the Maryland average
The cost of living in St. Michaels is 38% higher than the national average
St. Michaels housing is 109% 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	$98,183	$8,182	$2,291	$2,946
Renters	$75,038	$6,253	$1,751	$2,251

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.
Cordova, MD	562	103	2.9%
Secretary, MD	515	104	3.7%
Queen Anne town, MD	298	102	1.8%
Trappe, MD	1,197	111	11.3%
Choptank, MD	32	112	11.7%
St. Michaels, MD	1,363	138	38.2%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Tyhee, ID	1,363	107	6.5%
Crocker, WA	1,363	122	22.4%
Hawi, HI	1,364	155	54.5%
Atkinson, IL	1,364	83	16.9%
Fish Lake, IN	1,362	85	14.5%
St. Michaels, MD	1,363	138	38.2%

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 St. Michaels, 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

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