Cost Of Living in Cape St. Claire, MD

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Cape St. Claire	Maryland	National
Cost of living	134	119	100
Goods & Services	103	106	100
Groceries	105	106	100
Health care	98	97	100
Housing	203	150	100
Transportation	101	98	100
Utilities	111	111	100

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Cost Of Living Quick Facts

The cost of living in Cape St. Claire is 13% higher than the Maryland average
The cost of living in Cape St. Claire is 34% higher than the national average
Cape St. Claire housing is 103% 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
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$116,466	$9,706	$2,717	$3,494
Renters	$76,793	$6,399	$1,792	$2,304

The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Cape St. Claire, 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 Cape St. Claire, homeowners have a median income of $116,466. Using that number, a maximum of $2,717 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $76,793, which means there is a maximum of $1,792 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%

Goods & Services

Item	Cape St. Claire	National avg.	Difference
Haircut	$28.33	$24.26	16.8%
Beauty Salon	$58.17	$45.56	27.7%
Toothpaste	$3.69	$3.70	0.3%
Shampoo	$1.44	$1.28	12.7%
Movie	$13.69	$12.13	12.9%
Bowling	$23.03	$18.00	27.9%

Groceries

Item	Cape St. Claire	National avg.	Difference
Ground Beef	$6.23	$5.84	6.7%
Fried Chicken	$1.39	$1.57	11.4%
Milk	$4.73	$4.67	1.2%
Potatoes	$5.46	$4.93	10.7%
Pizza	$13.24	$12.09	9.5%
Beer	$10.36	$10.41	0.5%

Health Care

Item	Cape St. Claire	National avg.	Difference
Optometrist	$114.22	$125.68	9.1%
Doctor	$133.22	$135.78	1.9%
Dentist	$117.22	$113.29	3.5%
Ibuprofen	$11.10	$10.65	4.2%
Lipitor	$401.39	$468.60	14.3%

Housing

Item	Cape St. Claire	National avg.	Difference
Home Price	$394,600.00	$184,700.00	113.6%
Avg. Mortgage Payment	$1,906.29	$2,346.69	18.8%
Apartment Rent	$1,680.00	$949.00	77.0%

Transportation

Item	Cape St. Claire	National avg.	Difference
Gasoline	$3.46	$3.46	0.1%
Tire Balancing	$62.66	$59.92	4.6%

Utilities

Item	Cape St. Claire	National avg.	Difference
All Electricity	$223.91	$193.99	15.4%
Phone	$199.62	$192.25	3.8%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Edesville, MD	163	104	3.9%
Georgetown, MD	23	104	3.9%
Lansdowne, MD	8,635	102	2.4%
Rock Hall, MD	1,563	103	3.1%
Fairlee, MD	519	104	3.6%
Cape St. Claire, MD	8,405	134	33.5%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Arab, AL	8,405	92	8.2%
Socorro, NM	8,406	91	9.5%
Salem, UT	8,403	123	22.8%
Kapuskasing, ON	8,403	n/a
Greenville, MI	8,407	86	14.3%
Cape St. Claire, MD	8,405	134	33.5%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

Cost of Living in Cape St. Claire, MD