These Are The 10 Most Affordable Places In Maryland


We used data and science to determine which places in Maryland go easy on your wallet.

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A wise sage once said “she works hard for the money” and these places in Maryland definitely treat her right.

You see, these are the places in Maryland where the cost of living is the lowest; where your salary goes the furthest. And when if you have the luxury of choosing where to live in the Old Line State, then the cost of living should play a role in the decision.

So we did the hard for you and crunched the numbers to find the cities that have lower food, energy, and housing costs. After the dust settled on our analysis of the 40 largest places in Maryland, we were left with this set of the best value for your money:

  1. Cumberland
  2. Hagerstown
  3. Baltimore
  4. Frostburg
  5. Aberdeen
  6. Brunswick
  7. Salisbury
  8. Cambridge
  9. Hampstead
  10. Westminster

So listen up Chevy Chase as we explain how we created this ranking, you could learn some things from the rest of the state.

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How We Determined The Most Affordable Places To Live In The Old Line State

There are basic necessities that you have to buy no matter where in the country you live. Those things include:

  • Housing
  • Food
  • Gas
  • Health Insurance
  • Utilities
  • Transportation

You can then compare the cost of these things in each of the places in Maryland to figure out which is the least expensive.

What you are left with is a “Cost of Living Index” that normalizes to 100 for an average place in the United States.

So we used that cost of living index in order to rank all of the 40 places in Maryland that have more than 5,000 people.

And just so you can better understand how the cost of living index works, 100 is the average cost of a place in the United States. A score of 90 means that the place cost 10% less than average. A score of 90 means it’s 10% less expensive.

San Francisco has a score of 243 meaning it’s almost 2.5 times as expensive as the average place in the country.

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1. Cumberland

Cumberland, Maryland

Source: Wikipedia

Population: 20,776
Services: 108
Groceries: 100
Healthcare: 99
Housing: 58
Transportation: 94
Utiltiies: 94

2. Hagerstown

Hagerstown, Maryland

Source: Wikipedia

Population: 40,078
Services: 108
Groceries: 100
Healthcare: 99
Housing: 91
Transportation: 94
Utiltiies: 94

3. Baltimore

Baltimore, Maryland

Source: Wikipedia

Population: 620,644
Services: 91
Groceries: 111
Healthcare: 90
Housing: 93
Transportation: 109
Utiltiies: 97

4. Frostburg

Frostburg, Maryland

Source: Wikipedia

Population: 8,886
Services: 99
Groceries: 104
Healthcare: 98
Housing: 74
Transportation: 111
Utiltiies: 107

5. Aberdeen

Aberdeen, Maryland

Source: Wikipedia

Population: 14,958
Services: 91
Groceries: 111
Healthcare: 90
Housing: 112
Transportation: 109
Utiltiies: 97

6. Brunswick

Brunswick, Maryland

Source: Wikipedia

Population: 5,882
Services: 108
Groceries: 100
Healthcare: 99
Housing: 119
Transportation: 94
Utiltiies: 94

7. Salisbury

Salisbury, Maryland

Source: Wikipedia

Population: 30,407
Services: 107
Groceries: 107
Healthcare: 102
Housing: 94
Transportation: 101
Utiltiies: 114

8. Cambridge

Cambridge, Maryland

Source: Wikipedia

Population: 12,381
Services: 107
Groceries: 107
Healthcare: 102
Housing: 98
Transportation: 101
Utiltiies: 114

9. Hampstead

Hampstead, Maryland

Source: Wikipedia

Population: 6,299
Services: 91
Groceries: 111
Healthcare: 90
Housing: 125
Transportation: 109
Utiltiies: 97

10. Westminster

Westminster, Maryland

Source: Flickr

Population: 18,614
Services: 91
Groceries: 111
Healthcare: 90
Housing: 127
Transportation: 109
Utiltiies: 97

Detailed List Of Affordable Places In Maryland

City Rank Population Services Grociers Healthcare
Cumberland 1 20,776 108 100 99
Hagerstown 2 40,078 108 100 99
Baltimore 3 620,644 91 111 90
Frostburg 4 8,886 99 104 98
Aberdeen 5 14,958 91 111 90
Brunswick 6 5,882 108 100 99
Salisbury 7 30,407 107 107 102
Cambridge 8 12,381 107 107 102
Hampstead 9 6,299 91 111 90
Westminster 10 18,614 91 111 90
Glenarden 11 6,056 98 112 94
Thurmont 12 6,204 103 99 94
Elkton 13 15,393 108 103 103
Bladensburg 14 9,140 98 112 94
Taneytown 15 6,690 103 99 94
Greenbelt 16 23,113 98 112 94
Bel Air 17 10,172 91 111 90
Bel Air 18 10,172 91 111 90
District Heights 19 5,870 98 112 94
Frederick 20 65,171 92 113 86
Havre De Grace 21 13,066 108 103 103
New Carrollton 22 12,195 98 112 94
Laurel 23 25,026 92 113 86
Mount Rainier 24 8,134 98 112 94
Hyattsville 25 17,549 98 112 94
Riverdale Park 26 6,967 98 112 94
Easton 27 16,044 107 107 102
Walkersville 28 5,853 92 113 86
Cheverly 29 6,218 98 112 94
Ocean City 30 7,134 107 107 102
College Park 31 30,478 98 112 94
La Plata 32 8,743 98 112 94
Mount Airy 33 9,198 92 113 86
Gaithersburg 34 60,223 92 113 86
Annapolis 35 38,309 91 111 90
Bowie 36 55,059 98 112 94
Chesapeake Beach 37 5,674 98 112 94
Takoma Park 38 16,902 92 113 86
Rockville 39 60,960 92 113 86
Chevy Chase 40 9,344 92 113 86

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