What is the cost of living in Frederick, MD?
According to the most recent data on the cost of living, Frederick has an overall cost of living index of 118, which is 1.2x higher than the national index of 100.
Compared to Maryland, Frederick has a cost of living index that's 1.0x lower than Maryland's index of 121.
The standard of living in Frederick ranks as #49 most affordable out of the 195 places we measured in Maryland. By definition, that implies Frederick ranks as the #146 most expensive place in the Old Line State.
For more reading on life in Frederick, check out:
Frederick Cost Of Living Vs. Maryland
Six factors go into calculating the cost of living index in Frederick. Here is how it fares on each of the criteria:
The Services index in Frederick is 103.
The Groceries index in Frederick is 109.
The Health index in Frederick is 148.
The Housing index in Frederick is 106.
The Transportation index in Frederick is 110.
The Utilities index in Frederick is 111.
| Living Expense | Frederick | Maryland | National Average |
|---|---|---|---|
| Overall | 118 | 121 | 100 |
| Services | 103 | 104 | 100 |
| Groceries | 109 | 107 | 100 |
| Health | 148 | 152 | 100 |
| Housing | 106 | 109 | 100 |
| Transportation | 110 | 108 | 100 |
| Utilities | 111 | 109 | 100 |
Frederick 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 Frederick Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Frederick, 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 Frederick is $466,011.
The Median Rent in Frederick is $1,764.
The Median Income in Frederick is $97,069.
The Home Value To Income in Frederick is 4.8x.
The Rent To Monthly Income in Frederick is 0.22x.
Frederick, MD Costs By Category
Detailed Frederick Services costs vs. Maryland
Detailed Frederick Groceries costs vs. Maryland
Detailed Frederick Health costs vs. Maryland
Detailed Frederick Transportation costs vs. Maryland
Frederick SnackAbility
Cost Of Living In Cities Around Frederick
The cost of living varies in the cities and towns around Frederick. Here's a quick look at the cost of living in the most populous nearby places:
Salina, KS has a cost of living index of 91, 0.8x Frederick.
Hutchinson, KS has a cost of living index of 87, 0.7x Frederick.
Great Bend, KS has a cost of living index of 87, 0.7x Frederick.
| City | Population | Cost Of Living | Vs. Frederick |
|---|---|---|---|
| Salina, KS | 46,307 | 91 | 0.8x |
| Hutchinson, KS | 39,709 | 87 | 0.7x |
| Great Bend, KS | 14,479 | 87 | 0.7x |
| McPherson, KS | 13,995 | 90 | 0.8x |
