Cost of Living in Frederick, MD
Overall index: 108 (100 = US national average). Data source: US Census ACS 2023 & BLS OEWS 2025, 2025.
Overall Cost of Living Index
Cost Breakdown by Category
| Category | Index | vs US avg | Sample cost |
|---|---|---|---|
| Housing | 105 | +5% | $1,182 |
| Transportation | 100 | +0% | $3.50 |
| Food | 127 | +27% | $521 |
| Utilities | 103 | +3% | $189 |
| Healthcare | 103 | +3% | $137 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Frederick?
A single adult living comfortably in Frederick, MD needs approximately $37,800 / year after taxes.
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Frequently Asked Questions
What is the cost of living in Frederick, MD?
The overall cost of living in Frederick, MD is 8% higher than the US national average (index: 108 where 100 = national average).
How much is rent in Frederick, MD?
Average rent for a 1-bedroom apartment in Frederick, MD is about $1,182/month.
Is Frederick, MD expensive to live in?
Costs in Frederick, MD are roughly in line with the national average.
What salary do I need to live in Frederick, MD?
A single adult needs roughly $37,800/year to cover basic living costs in Frederick, MD.