Cost of Living in Cape St. Claire, MD

Population 9,016 · Maryland · Data vintage 2023

150

Cost Index
(100 = US avg)

Page updated: April 2026 · Data vintage: 2023 ACS 5-Year

Sources: Census ACS·BLS·NOAA·EPA·Zillow · Methodology

Under 25,000 residents gives Cape St. Claire a small-town character that shows up in every data point below — from the commute patterns to the rental inventory. A typical home runs $476,000.

Geographically, Cape St. Claire sits roughly 20 miles southeast of Baltimore. Median home values run roughly 117% higher than Baltimore's $219,000.

Cost Overview

Housing 156

Rent 142

Scale: 100 = US national average. Green < 90, Red > 110.

About the Cost of Living in Cape St. Claire

The median home value in Cape St. Claire is $475,700 — 56% above the national median of $305,000. Median rent runs $1,868/month, 42% higher than the national median of $1,314/month. The median household income of $136,064/year is 82% higher than the US median of $74,580. The local unemployment rate is 5.8%, above the national average of 4.8%. Maryland's top state income tax rate is 5.8% and the combined sales tax is 6.0%. The climate averages highs of 64.8°F and lows of 50.6°F. Overall, Cape St. Claire has a cost of living index of 150 versus the US average of 100, meaning it is 50% more expensive.

📍

Cape St. Claire has limited residential data

Detailed housing and income data is limited for this location. Here are the nearest cities with full cost of living data:

Arnold, MD

Median home: $547,800

Rent: $2,177/mo

Income: $137,799

Lake Shore, MD

Median home: $471,500

Rent: $1,793/mo

Income: $127,453

Annapolis, MD

Median home: $510,200

Rent: $1,855/mo

Income: $104,257

Parole, MD

Median home: $521,100

Rent: $2,187/mo

Income: $119,591

Severna Park, MD

Median home: $633,600

Rent: $1,617/mo

Income: $168,091

🏠 Housing

Median Home Value

$475,700

56% above avg

Median Rent

$1,868/mo

42% above avg

Price-to-Rent Ratio

21.2x

Favors renting

Property Tax Rate

1.1%

Effective rate

HUD Fair Market Rents by Bedroom

Studio

$1,407

1 BR

$1,604

2 BR

$1,898

3 BR

$2,407

4 BR

$2,822

Owner-occupied 88.0%

Renter-occupied 12.0%

💰 Estimated Monthly Budget

Rent median rent

$1,868

Groceries national estimate

$400

Utilities local estimate

$88

Transportation local gas prices

$126

Estimated Total $2,482/mo

Estimates based on median data and national averages. Actual costs vary.

🛒 Food & Groceries

National BLS average prices (2023). Local prices may vary.

🥚

Eggs (dozen)

$0.548

🍞

White Bread (lb)

$1.912

🥩

Ground Beef (lb)

$5.61

🚗 Transportation

Avg Commute

33.8 min

25% above avg

Gas Price

$3.145/gal

0% below avg

Work From Home

22.9%

Commute Mode

Drove alone

71.5%

Carpooled

2.1%

Public transit

0.4%

Walked

1.3%

Bicycle

0.2%

Work from home

22.9%

⚡ Utilities

Electricity

$0.176/kWh

0% below avg

📋 Taxes

State Income Tax 5.8%

Total Sales Tax 6.0%

State rate 6.0%

Avg local rate 0.0%

Property Tax 1.1%

💼 Income & Employment

Median Household Income

$136,064

82% above avg

Per Capita Income

$59,839

Unemployment Rate

5.8%

21% above avg

Poverty Rate

3.0%

Labor Force Participation

71.1%

🎓 Education

Bachelor's degree+ 27.7%

Graduate degree 28.0%

👥 Demographics

Median Age 40.2

Male median age 38.5

Female median age 41.8

🌤 Climate

NOAA 1991–2020 Climate Normals

Avg High

64.8°F

Avg Low

50.6°F

Annual Precip

44"

Month	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
High °F	43	45	53	64	73	82	86	84	77	67	56	47
Low °F	30	32	38	47	57	68	72	71	65	52	42	34
Precip"	2.84	2.38	3.80	3.38	3.15	4.04	4.94	4.27	5.14	4.04	3.03	2.98

💨 Air Quality

EPA AQS 2023 — county-level monitoring data

Median AQI 40 — Good

85.6%

Good air days/yr

150

Max AQI recorded

PM2.5 days

244

Ozone days

Frequently Asked Questions

What is the cost of living in Cape St. Claire, MD?

Cape St. Claire has a cost index of 150 (100 = national average). It is 50% above the national average.

What is average rent in Cape St. Claire, MD?

The median gross rent in Cape St. Claire is $1,868 per month based on 2023 Census data.

What is the average home price in Cape St. Claire?

The median home value in Cape St. Claire is $475,700 according to 2023 Census ACS data.

What is the median income in Cape St. Claire?

The median household income in Cape St. Claire is $136,064 per year (2023 ACS 5-year estimates).

What is the sales tax in Cape St. Claire, MD?

The combined state and local sales tax rate in Cape St. Claire is 6.0%. The Maryland state income tax top rate is 5.8%.

Is Cape St. Claire, MD affordable?

Cape St. Claire is above average in cost of living, with an index of 150 — about 50% higher than the national average.

What is the weather like in Cape St. Claire?

Cape St. Claire has average high temperatures of 64.8°F and average lows of 50.6°F. Annual precipitation is 44". Data from NOAA 1991–2020 Climate Normals.

Cape St. Claire at a Glance

Population: 9,016
Median Income: $136,064
Home Value: $475,700
Median Rent: $1,868/mo
Unemployment: 5.8%
Avg High Temp: 64.8°F
Sales Tax: 6.0%

View all cities in Maryland →

Nearby Cities

🗺️ County data for Maryland

Explore county-level cost of living data

Maryland Rankings

Similar Cost Cities

Cities in other states with comparable housing costs