Cost Of Living in Westphalia, MD

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F

33%

Overall NAT. AVG.

5%

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	Westphalia	Maryland	National
Cost of living	133	121	100
Groceries	105	105	100
Health care	107	109	100
Housing	195	151	100
Transportation	109	109	100
Utilities	107	108	100
Lifestyle & Entertainment	104	109	100
Household Items	104	105	100
Education & Childcare	110	112	100

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Homes For Sale In Westphalia, MD

10716 Flying Change Ct

Upper Marlboro, MD

5418 Manor Park Dr

Upper Marlboro, MD

5107 Forest Pines Dr

Upper Marlboro, MD

9700 Central Park Dr

Upper Marlboro, MD

Cost Of Living Quick Facts

The cost of living in Westphalia is 10% higher than the Maryland average
The cost of living in Westphalia is 33% higher than the national average
Westphalia 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	$215,791	$17,983	$5,035	$6,474
Renters	$97,004	$8,084	$2,263	$2,910

The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Westphalia, 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 Westphalia, homeowners have a median income of $215,791. Using that number, a maximum of $5,035 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $97,004, which means there is a maximum of $2,263 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.
Cedarville, MD	599	110	10.1%
Belle Haven town, VA	578	99	1.4%
Cottage City, MD	1,193	105	5.5%
Silver Hill, MD	5,346	132	31.6%
Seat Pleasant, MD	4,929	132	32.1%
Westphalia, MD	9,518	133	33.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Middlesborough, KY	9,518	82	18.3%
White Meadow Lake, NJ	9,515	141	41.3%
Steger, IL	9,523	91	8.8%
North College Hill, OH	9,523	86	14.4%
Fishersville, VA	9,512	113	13.1%
Westphalia, MD	9,518	133	33.3%

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 Westphalia, 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