What is the cost of living in Annapolis, MD?
According to the most recent data on the cost of living, Annapolis has an overall cost of living index of 139, which is 1.4x higher than the national index of 100.
Compared to Maryland, Annapolis has a cost of living index that's 1.1x higher than Maryland's index of 121.
The standard of living in Annapolis ranks as #148 most affordable out of the 195 places we measured in Maryland. By definition, that implies Annapolis ranks as the #47 most expensive place in the Old Line State.
For more reading on life in Annapolis, check out:
Annapolis Cost Of Living Vs. Maryland
Six factors go into calculating the cost of living index in Annapolis. Here is how it fares on each of the criteria:
The Services index in Annapolis is 106.
The Groceries index in Annapolis is 110.
The Health index in Annapolis is 203.
The Housing index in Annapolis is 108.
The Transportation index in Annapolis is 111.
The Utilities index in Annapolis is 109.
| Living Expense | Annapolis | Maryland | National Average |
|---|---|---|---|
| Overall | 139 | 121 | 100 |
| Services | 106 | 104 | 100 |
| Groceries | 110 | 107 | 100 |
| Health | 203 | 152 | 100 |
| Housing | 108 | 109 | 100 |
| Transportation | 111 | 108 | 100 |
| Utilities | 109 | 109 | 100 |
Annapolis Cost Of Living Compared To Maryland Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Maryland, check out:
Protect your home budget Compare home warranties in Annapolis Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Annapolis, MD Housing Cost Breakdown
Housing swings affordability the most between places in Maryland, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Annapolis is $618,837.
The Median Rent in Annapolis is $1,860.
The Median Income in Annapolis is $113,860.
The Home Value To Income in Annapolis is 5.4x.
The Rent To Monthly Income in Annapolis is 0.2x.
Annapolis, MD Costs By Category
Detailed Annapolis Services costs vs. Maryland
Detailed Annapolis Groceries costs vs. Maryland
Detailed Annapolis Health costs vs. Maryland
Detailed Annapolis Transportation costs vs. Maryland
Annapolis SnackAbility
Cost Of Living In Cities Around Annapolis
The cost of living varies in the cities and towns around Annapolis. Here's a quick look at the cost of living in the most populous nearby places:
Bowie, MD has a cost of living index of 133, 1.0x Annapolis.
Severna Park, MD has a cost of living index of 154, 1.1x Annapolis.
Crofton, MD has a cost of living index of 140, 1.0x Annapolis.
| City | Population | Cost Of Living | Vs. Annapolis |
|---|---|---|---|
| Bowie, MD | 57,926 | 133 | 1.0x |
| Severna Park, MD | 40,228 | 154 | 1.1x |
| Crofton, MD | 29,549 | 140 | 1.0x |
| Elkridge, MD | 26,283 | 134 | 1.0x |
| Arnold, MD | 24,303 | 144 | 1.0x |
| Lake Shore, MD | 18,249 | 136 | 1.0x |
| Parole, MD | 17,229 | 148 | 1.1x |
| Riviera Beach, MD | 12,192 | 122 | 0.9x |
| Annapolis Neck, MD | 12,032 | 168 | 1.2x |
| Cape St. Claire, MD | 9,236 | 134 | 1.0x |
