What is the cost of living in Urbana, MD?
According to the most recent data on the cost of living, Urbana has an overall cost of living index of 161, which is 1.6x higher than the national index of 100.
Compared to Maryland, Urbana has a cost of living index that's 1.3x higher than Maryland's index of 121.
The standard of living in Urbana ranks as #182 most affordable out of the 195 places we measured in Maryland. By definition, that implies Urbana ranks as the #13 most expensive place in the Old Line State.
For more reading on life in Urbana, check out:
Urbana Cost Of Living Vs. Maryland
Six factors go into calculating the cost of living index in Urbana. Here is how it fares on each of the criteria:
The Services index in Urbana is 103.
The Groceries index in Urbana is 111.
The Health index in Urbana is 279.
The Housing index in Urbana is 109.
The Transportation index in Urbana is 110.
The Utilities index in Urbana is 111.
| Living Expense | Urbana | Maryland | National Average |
|---|---|---|---|
| Overall | 161 | 121 | 100 |
| Services | 103 | 104 | 100 |
| Groceries | 111 | 107 | 100 |
| Health | 279 | 152 | 100 |
| Housing | 109 | 109 | 100 |
| Transportation | 110 | 108 | 100 |
| Utilities | 111 | 109 | 100 |
Urbana 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 Urbana Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Urbana, 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 Urbana is $655,046.
The Median Rent in Urbana is $2,649.
The Median Income in Urbana is $182,500.
The Home Value To Income in Urbana is 3.6x.
The Rent To Monthly Income in Urbana is 0.17x.
Urbana, MD Costs By Category
Detailed Urbana Services costs vs. Maryland
Detailed Urbana Groceries costs vs. Maryland
Detailed Urbana Health costs vs. Maryland
Detailed Urbana Transportation costs vs. Maryland
Urbana SnackAbility
Cost Of Living In Cities Around Urbana
The cost of living varies in the cities and towns around Urbana. Here's a quick look at the cost of living in the most populous nearby places:
Germantown, MD has a cost of living index of 135, 0.8x Urbana.
Rockville, MD has a cost of living index of 157, 1.0x Urbana.
Olney, MD has a cost of living index of 153, 1.0x Urbana.
| City | Population | Cost Of Living | Vs. Urbana |
|---|---|---|---|
| Germantown, MD | 90,719 | 135 | 0.8x |
| Rockville, MD | 67,671 | 157 | 1.0x |
| Olney, MD | 35,797 | 153 | 1.0x |
| Clarksburg, MD | 30,487 | 156 | 1.0x |
| Ballenger Creek, MD | 26,390 | 124 | 0.8x |
| North Potomac, MD | 23,922 | 176 | 1.1x |
| Redland, MD | 18,665 | 141 | 0.9x |
| Linganore, MD | 14,444 | 139 | 0.9x |
| Travilah, MD | 11,721 | 225 | 1.4x |
| Lowes Island, VA | 11,018 | 167 | 1.0x |
