Most affordable towns in Maryland, 2026
Fountainhead-Orchard Hills is the most affordable ranked town in Maryland. Rent, the regional price level, taxes, and electricity are 22.5% each. Gasoline is 10%. A lower score is more affordable.
Summary
- 200
- Towns ranked in Maryland.
- Fountainhead-Orchard Hills
- Number 1 in Maryland. Rent is 14.5% of income. National rank 2417.
- 20.7%
- Median rent share among ranked towns in Maryland.
- 0
- Ranked Maryland towns in the national top 100.
- Marlow Heights
- Least affordable ranked town in Maryland. Rent is 35.8% of income. National rank 6074.
Gasoline
$4.470
per gallon. EIA does not publish a Maryland price. This is the Central Atlantic (PADD 1B) price for the week of October 12, 2026. At 12,000 miles a year and 25 mpg, that is $2,145.60 a year for every ranked town in Maryland.
How to cite this
Free to quote and reuse if you credit Cost & Benefits and link to this page.
Cost & Benefits. "2026 Most Affordable Towns Index: Maryland." October 16, 2026. https://costandbenefits.com/reports/most-affordable-towns-2026/maryland
https://costandbenefits.com/reports/most-affordable-towns-2026/maryland
National index · Press · How we count
Benefits and taxes in Maryland
Top 25
#1 in Maryland · National #2417
Fountainhead-Orchard Hills
Rent share 14.5% · Price level 94.2 · Score 0.397
Median rent is $1,247 a month and median income is $103,340, so rent is 14.5% of income, under the 20.7% median for ranked towns in Maryland. The Hagerstown-Martinsburg, MD-WV metro price level is 94.2 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#2 in Maryland · National #3383
Chesapeake Beach
Rent share 15.2% · Price level 100.8 · Score 0.468
Median rent is $1,756 a month and median income is $138,895, so rent is 15.2% of income, under the 20.7% median for ranked towns in Maryland. The Lexington Park, MD metro price level is 100.8 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#3 in Maryland · National #3422
Robinwood
Rent share 18.7% · Price level 94.2 · Score 0.471
Median rent is $1,419 a month and median income is $90,840, so rent is 18.7% of income, under the 20.7% median for ranked towns in Maryland. The Hagerstown-Martinsburg, MD-WV metro price level is 94.2 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is regional price level and its heaviest mark is electricity price.
#4 in Maryland · National #3506
Cresaptown
Rent share 13.6% · Price level 105.0 · Score 0.477
Median rent is $777 a month and median income is $68,370, so rent is 13.6% of income, under the 20.7% median for ranked towns in Maryland. The Maryland state price level is 105.0 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is regional price level.
#5 in Maryland · National #3643
Manchester
Rent share 13.4% · Price level 104.5 · Score 0.488
Median rent is $1,358 a month and median income is $121,676, so rent is 13.4% of income, under the 20.7% median for ranked towns in Maryland. The Baltimore-Columbia-Towson, MD metro price level is 104.5 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is regional price level.
#6 in Maryland · National #3727
Severna Park
Rent share 12.0% · Price level 104.5 · Score 0.496
Median rent is $1,699 a month and median income is $169,953, so rent is 12.0% of income, under the 20.7% median for ranked towns in Maryland. The Baltimore-Columbia-Towson, MD metro price level is 104.5 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is regional price level.
#7 in Maryland · National #3732
Bel Air North
Rent share 14.2% · Price level 104.5 · Score 0.497
Median rent is $1,624 a month and median income is $137,336, so rent is 14.2% of income, under the 20.7% median for ranked towns in Maryland. The Baltimore-Columbia-Towson, MD metro price level is 104.5 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is regional price level.
#8 in Maryland · National #3777
Mount Airy
Rent share 14.7% · Price level 104.5 · Score 0.501
Median rent is $1,854 a month and median income is $151,324, so rent is 14.7% of income, under the 20.7% median for ranked towns in Maryland. The Baltimore-Columbia-Towson, MD metro price level is 104.5 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is regional price level.
#9 in Maryland · National #3781
Eldersburg
Rent share 14.3% · Price level 104.5 · Score 0.501
Median rent is $1,705 a month and median income is $142,954, so rent is 14.3% of income, under the 20.7% median for ranked towns in Maryland. The Baltimore-Columbia-Towson, MD metro price level is 104.5 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is regional price level.
#10 in Maryland · National #3834
Brunswick
Rent share 12.4% · Price level 108.9 · Score 0.507
Median rent is $1,217 a month and median income is $118,025, so rent is 12.4% of income, under the 20.7% median for ranked towns in Maryland. The Washington-Arlington-Alexandria, DC-VA-MD-WV metro price level is 108.9 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is regional price level.
#11 in Maryland · National #3870
Taneytown
Rent share 14.5% · Price level 104.5 · Score 0.509
Median rent is $1,059 a month and median income is $87,621, so rent is 14.5% of income, under the 20.7% median for ranked towns in Maryland. The Baltimore-Columbia-Towson, MD metro price level is 104.5 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is regional price level.
#12 in Maryland · National #3871
Middletown
Rent share 12.6% · Price level 108.9 · Score 0.509
Median rent is $1,813 a month and median income is $173,333, so rent is 12.6% of income, under the 20.7% median for ranked towns in Maryland. The Washington-Arlington-Alexandria, DC-VA-MD-WV metro price level is 108.9 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is regional price level.
#13 in Maryland · National #3900
Edgemere
Rent share 15.1% · Price level 104.5 · Score 0.511
Median rent is $1,300 a month and median income is $103,165, so rent is 15.1% of income, under the 20.7% median for ranked towns in Maryland. The Baltimore-Columbia-Towson, MD metro price level is 104.5 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is regional price level.
#14 in Maryland · National #3921
Poolesville
Rent share 10.7% · Price level 108.9 · Score 0.513
Median rent is $1,831 a month and median income is $205,919, so rent is 10.7% of income, under the 20.7% median for ranked towns in Maryland. The Washington-Arlington-Alexandria, DC-VA-MD-WV metro price level is 108.9 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is regional price level.
#15 in Maryland · National #3928
Thurmont
Rent share 11.3% · Price level 108.9 · Score 0.513
Median rent is $927 a month and median income is $98,125, so rent is 11.3% of income, under the 20.7% median for ranked towns in Maryland. The Washington-Arlington-Alexandria, DC-VA-MD-WV metro price level is 108.9 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is regional price level.
#16 in Maryland · National #3933
Halfway
Rent share 21.4% · Price level 94.2 · Score 0.514
Median rent is $1,269 a month and median income is $71,036, so rent is 21.4% of income, over the 20.7% median for ranked towns in Maryland. The Hagerstown-Martinsburg, MD-WV metro price level is 94.2 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is regional price level and its heaviest mark is electricity price.
#17 in Maryland · National #3936
Arbutus
Rent share 16.0% · Price level 104.5 · Score 0.514
Median rent is $1,318 a month and median income is $99,090, so rent is 16.0% of income, under the 20.7% median for ranked towns in Maryland. The Baltimore-Columbia-Towson, MD metro price level is 104.5 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is regional price level.
#18 in Maryland · National #3967
Lutherville
Rent share 15.0% · Price level 104.5 · Score 0.516
Median rent is $1,423 a month and median income is $113,563, so rent is 15.0% of income, under the 20.7% median for ranked towns in Maryland. The Baltimore-Columbia-Towson, MD metro price level is 104.5 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is regional price level.
#19 in Maryland · National #3972
Damascus
Rent share 13.5% · Price level 108.9 · Score 0.516
Median rent is $1,792 a month and median income is $158,883, so rent is 13.5% of income, under the 20.7% median for ranked towns in Maryland. The Washington-Arlington-Alexandria, DC-VA-MD-WV metro price level is 108.9 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is regional price level.
#20 in Maryland · National #3987
Hampstead
Rent share 16.0% · Price level 104.5 · Score 0.518
Median rent is $1,309 a month and median income is $97,871, so rent is 16.0% of income, under the 20.7% median for ranked towns in Maryland. The Baltimore-Columbia-Towson, MD metro price level is 104.5 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is regional price level.
#21 in Maryland · National #3991
Spring Ridge
Rent share 13.7% · Price level 108.9 · Score 0.518
Median rent is $1,667 a month and median income is $145,625, so rent is 13.7% of income, under the 20.7% median for ranked towns in Maryland. The Washington-Arlington-Alexandria, DC-VA-MD-WV metro price level is 108.9 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is regional price level.
#22 in Maryland · National #4014
Peppermill Village
Rent share 11.8% · Price level 108.9 · Score 0.520
Median rent is $845 a month and median income is $85,685, so rent is 11.8% of income, under the 20.7% median for ranked towns in Maryland. The Washington-Arlington-Alexandria, DC-VA-MD-WV metro price level is 108.9 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is regional price level.
#23 in Maryland · National #4057
Walkersville
Rent share 13.6% · Price level 108.9 · Score 0.524
Median rent is $1,481 a month and median income is $130,893, so rent is 13.6% of income, under the 20.7% median for ranked towns in Maryland. The Washington-Arlington-Alexandria, DC-VA-MD-WV metro price level is 108.9 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is regional price level.
#24 in Maryland · National #4058
Havre de Grace
Rent share 16.1% · Price level 104.5 · Score 0.524
Median rent is $1,416 a month and median income is $105,817, so rent is 16.1% of income, under the 20.7% median for ranked towns in Maryland. The Baltimore-Columbia-Towson, MD metro price level is 104.5 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is regional price level.
#25 in Maryland · National #4062
Four Corners
Rent share 15.1% · Price level 108.9 · Score 0.524
Median rent is $2,554 a month and median income is $203,125, so rent is 15.1% of income, under the 20.7% median for ranked towns in Maryland. The Washington-Arlington-Alexandria, DC-VA-MD-WV metro price level is 108.9 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is regional price level.
Least affordable 10
#200 in Maryland · National #6074
Marlow Heights
Rent share 35.8% · Price level 108.9 · Score 0.762
Median rent is $1,657 a month and median income is $55,502, so rent is 35.8% of income, over the 20.7% median for ranked towns in Maryland. The Washington-Arlington-Alexandria, DC-VA-MD-WV metro price level is 108.9 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is gasoline price and its heaviest mark is rent share.
#199 in Maryland · National #6040
College Park
Rent share 32.9% · Price level 108.9 · Score 0.756
Median rent is $1,912 a month and median income is $69,721, so rent is 32.9% of income, over the 20.7% median for ranked towns in Maryland. The Washington-Arlington-Alexandria, DC-VA-MD-WV metro price level is 108.9 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is gasoline price and its heaviest mark is rent share.
#198 in Maryland · National #6003
Temple Hills
Rent share 32.5% · Price level 108.9 · Score 0.750
Median rent is $1,811 a month and median income is $66,841, so rent is 32.5% of income, over the 20.7% median for ranked towns in Maryland. The Washington-Arlington-Alexandria, DC-VA-MD-WV metro price level is 108.9 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#197 in Maryland · National #5983
Bladensburg
Rent share 31.5% · Price level 108.9 · Score 0.747
Median rent is $1,656 a month and median income is $63,179, so rent is 31.5% of income, over the 20.7% median for ranked towns in Maryland. The Washington-Arlington-Alexandria, DC-VA-MD-WV metro price level is 108.9 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#196 in Maryland · National #5967
Leisure World
Rent share 39.7% · Price level 108.9 · Score 0.744
Median rent is $2,054 a month and median income is $62,011, so rent is 39.7% of income, over the 20.7% median for ranked towns in Maryland. The Washington-Arlington-Alexandria, DC-VA-MD-WV metro price level is 108.9 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#195 in Maryland · National #5966
Silver Hill
Rent share 30.1% · Price level 108.9 · Score 0.744
Median rent is $1,523 a month and median income is $60,625, so rent is 30.1% of income, over the 20.7% median for ranked towns in Maryland. The Washington-Arlington-Alexandria, DC-VA-MD-WV metro price level is 108.9 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#194 in Maryland · National #5962
Coral Hills
Rent share 31.3% · Price level 108.9 · Score 0.744
Median rent is $1,788 a month and median income is $68,603, so rent is 31.3% of income, over the 20.7% median for ranked towns in Maryland. The Washington-Arlington-Alexandria, DC-VA-MD-WV metro price level is 108.9 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#193 in Maryland · National #5919
Glassmanor
Rent share 28.4% · Price level 108.9 · Score 0.737
Median rent is $1,567 a month and median income is $66,327, so rent is 28.4% of income, over the 20.7% median for ranked towns in Maryland. The Washington-Arlington-Alexandria, DC-VA-MD-WV metro price level is 108.9 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#192 in Maryland · National #5917
Forestville
Rent share 29.2% · Price level 108.9 · Score 0.737
Median rent is $1,719 a month and median income is $70,579, so rent is 29.2% of income, over the 20.7% median for ranked towns in Maryland. The Washington-Arlington-Alexandria, DC-VA-MD-WV metro price level is 108.9 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#191 in Maryland · National #5896
White Oak
Rent share 26.0% · Price level 108.9 · Score 0.733
Median rent is $1,808 a month and median income is $83,370, so rent is 26.0% of income, over the 20.7% median for ranked towns in Maryland. The Washington-Arlington-Alexandria, DC-VA-MD-WV metro price level is 108.9 (U.S. = 100). Residential electricity is 21.41 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is gasoline price and its heaviest mark is rent share.
The formula
A lower score is more affordable. Rent share, the regional price level, taxes, and electricity each count 22.5%. Gasoline counts 10%. Those weights are our choice. Gasoline stays at 10% because the miles figure is one national standard, not a measured town commute. This is not a government standard.
A percentile is the share of ranked towns with a strictly lower number, divided by the number of ranked towns minus one. The lowest number scores 0. Tied numbers share a percentile.
- Rent share = (median monthly rent × 12) / median household income. Both figures are the Census 2020–2024 medians for that place.
- RPP-adjusted cost is the BEA 2024 all-items regional price parity. A basket priced at 100 for the U.S. average costs this many dollars in the town's area. We use the metro index when the county is in a metro BEA publishes. Otherwise we use the state index and say so. This index includes housing, so housing also shows up in the rent share.
- Tax burden is the average of three percentiles. Income-tax share is state income tax plus the stored 2023 local AGI add-on, divided by the town's median household income, on a joint return. Property share is the state's median effective property-tax rate times the town's median home value, divided by income. Sales rate is the combined state and average local sales-tax rate. We do not turn the sales rate into dollars, because that would require a shopping basket we do not have.
- Electricity is the state residential price in cents per kilowatt-hour. Every town in a state shares it. We do not guess how many kilowatt-hours a home uses.
- Gasoline is the EIA retail price for all grades and all formulations, in dollars per gallon. Where EIA publishes a state series, we use that state. Every other state uses the PADD region EIA assigns to it. Census does not publish commuting miles for these towns, so annual gas spend is 12,000 miles a year divided by 25 miles per gallon, times the price. That is 480 gallons, the same for every town. Those miles are our standard, not an ACS figure and not a government mileage rule. Because the gallons do not change, the gas percentile is the percentile of the price.
Weekly prices are for the week of October 12, 2026, from the EIA workbook released October 14, 2026. File: https://www.eia.gov/petroleum/gasdiesel/xls/pswrgvwall.xls. Alaska, Arizona, Hawaii, Nevada, and Oregon use West Coast (PADD 5) Except California. That series is not in the weekly workbook, so those five use the monthly price dated September 15, 2026. File: https://www.eia.gov/dnav/pet/pet_pri_gnd_a_epm0_pte_dpgal_m.htm.
- State series, week of October 12, 2026: California, Colorado, Florida, Massachusetts, Minnesota, New York, Ohio, Texas, Washington.
- Central Atlantic (PADD 1B), week of October 12, 2026: Delaware, District of Columbia, Maryland, New Jersey, Pennsylvania.
- Gulf Coast (PADD 3), week of October 12, 2026: Alabama, Arkansas, Louisiana, Mississippi, New Mexico.
- Lower Atlantic (PADD 1C), week of October 12, 2026: Georgia, North Carolina, South Carolina, Virginia, West Virginia.
- Midwest (PADD 2), week of October 12, 2026: Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Missouri, Nebraska, North Dakota, Oklahoma, South Dakota, Tennessee, Wisconsin.
- New England (PADD 1A), week of October 12, 2026: Connecticut, Maine, New Hampshire, Rhode Island, Vermont.
- Rocky Mountain (PADD 4), week of October 12, 2026: Idaho, Montana, Utah, Wyoming.
- West Coast (PADD 5) Except California, September 15, 2026: Alaska, Arizona, Hawaii, Nevada, Oregon.
Score = 0.225 × rent percentile + 0.225 × price-level percentile + 0.225 × tax score + 0.225 × electricity percentile + 0.10 × gasoline percentile. Rank 1 is the lowest score. If scores tie, the lower rent share wins, then the lower price level, then the place slug in A-to-Z order.
Questions
What is the most affordable town in Maryland in this index?
Fountainhead-Orchard Hills is number 1 of 200 ranked towns in Maryland. Median rent is 14.5% of median income. Its national rank is 2417.
How many towns in Maryland were ranked?
200 towns in Maryland have at least 5,000 people and published Census rent, income, and home value. Places missing one of those figures are left out.
Does this ranking approve benefits in Maryland?
No. Cost & Benefits does not approve or deny benefits. The score is a cost comparison only.