Cost of Living in Havre de Grace, MD

Population 14,857 · Maryland · Data vintage 2023

109
Cost Index
(100 = US avg)
Page updated: · Data vintage: 2023 ACS 5-Year
Sources: Census ACS·BLS·NOAA·EPA·Zillow · Methodology

Havre de Grace sits on the smaller end of the Maryland city distribution. That scale shapes the housing market, the labor pool, and the services available to residents in ways the data below makes visible.

Geographically, Havre de Grace is about 30 miles northeast of Baltimore, the nearest large metro. Median home values run roughly 59% higher than Baltimore's $219,000.

Cost Overview

Housing 114
Rent 100

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

About the Cost of Living in Havre de Grace

The median home value in Havre de Grace is $348,800 — 14% above the national median of $305,000. Median rent runs $1,314/month, equal to than the national median of $1,314/month. The median household income of $106,798/year is 43% higher than the US median of $74,580. The local unemployment rate is 4.0%, below the national average of 4.8%. Maryland's top state income tax rate is 5.8% and the combined sales tax is 6.0%. Overall, Havre de Grace has a cost of living index of 109 versus the US average of 100, meaning it is 9% more expensive.

🏠 Housing

Median Home Value
$348,800
14% above avg
Zillow Home Value
$398,314
Zillow ZHVI
Median Rent
$1,314/mo
0% below avg
Price-to-Rent Ratio
22.1x
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 71.8%
Renter-occupied 28.2%

💰 Estimated Monthly Budget

Rent median rent
$1,314
Groceries national estimate
$400
Utilities local estimate
$88
Transportation local gas prices
$126
Estimated Total $1,928/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
30.2 min
12% above avg
Gas Price
$3.145/gal
0% below avg
Work From Home
17.5%

Commute Mode

Drove alone
67.3%
Carpooled
8.6%
Public transit
1.6%
Walked
3.4%
Bicycle
0.4%
Work from home
17.5%

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
$106,798
43% above avg
Per Capita Income
$55,733
Unemployment Rate
4.0%
16% below avg
Poverty Rate
9.3%
Labor Force Participation
64.8%

🎓 Education

Bachelor's degree+ 21.6%
Graduate degree 19.7%

👥 Demographics

Median Age 46.9
Male median age 44.3
Female median age 48.8

💨 Air Quality

EPA AQS 2023 — county-level monitoring data

Median AQI 45 — Good
66.3%
Good air days/yr
200
Max AQI recorded
170
PM2.5 days
189
Ozone days

Frequently Asked Questions

What is the cost of living in Havre de Grace, MD?

Havre de Grace has a cost index of 109 (100 = national average). It is 9% above the national average.

What is average rent in Havre de Grace, MD?

The median gross rent in Havre de Grace is $1,314 per month based on 2023 Census data.

What is the average home price in Havre de Grace?

The median home value in Havre de Grace is $348,800 according to Zillow and Census data.

What is the median income in Havre de Grace?

The median household income in Havre de Grace is $106,798 per year (2023 ACS 5-year estimates).

What is the sales tax in Havre de Grace, MD?

The combined state and local sales tax rate in Havre de Grace is 6.0%. The Maryland state income tax top rate is 5.8%.

Is Havre de Grace, MD affordable?

Havre de Grace is near the national average in terms of cost of living, with an index of 109 (100 = US average).

Havre de Grace at a Glance

Population
14,857
Median Income
$106,798
Home Value
$348,800
Median Rent
$1,314/mo
Unemployment
4.0%
Sales Tax
6.0%
View all cities in Maryland →
🗺️ County data for Maryland

Explore county-level cost of living data

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