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Baltimore-Columbia-Towson, MD

Cost of living in Carroll County, MD

Part of the Baltimore Metro Area

Estimated monthly cost
$4,095/mo
for a single person, all categories combined

Population 174,318 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,604 39%
Federal tax $817 20%
Healthcare $480 12%
Groceries $382 9%
Transport $320 8%
State tax $233 6%
Energy $204 5%
Water $55 1%

Rent in Carroll County

Fair Market Rents by bedroom count.

Studio
$1,407
per month
1 bedroom
$1,604
per month
2 bedroom
$1,965
per month
3 bedroom
$2,529
per month
4 bedroom
$2,826
per month

Source: HUD FMR FY2025

Income and earnings in Carroll County

Annual earnings figures from the Census ACS.

Household income
$115,876
per year
Individual earnings
$60,012
per year
Per capita
$51,465
per year

Source: ACS 2019-2023 5-Year.

Home values in Carroll County

Average values reported by homeowners.

Average home value
$406,400
Annual property tax
$3,837

Source: ACS 2019-2023 5-Year

Energy costs in Carroll County

Estimated monthly electricity and gas costs.

Electricity
$150
per month · 16.7¢/kWh
Natural gas
$54
per month
Annual total
$2,448
per year

Source: EIA

Healthcare in Carroll County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
2.8%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Carroll County

State and local tax rates for Maryland.

State income tax
5.8%
Top marginal rate
State sales tax
6.0%
Combined sales tax
6.0%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Carroll County

Commute patterns and estimated costs.

Average commute
34.5 min
Drive alone
76.1%
Public transit
0.4%
Work from home
15.6%

Source: ACS

Monthly cost estimates for Carroll County

What it costs to live in Carroll County each month.

Single person
$4,095
per month
  • Rent $1,604
  • Energy $204
  • Water $55
  • Groceries $382
  • Transport $320
  • Healthcare $480
  • Federal tax $817
  • State tax $233
Couple
$6,217
per month
  • Rent $1,965
  • Energy $245
  • Water $65
  • Groceries $633
  • Transport $420
  • Healthcare $864
  • Federal tax $1,567
  • State tax $458
Family
$8,965
per month
  • Rent $2,529
  • Energy $306
  • Water $75
  • Groceries $960
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,567
  • State tax $458

Frequently asked questions about Carroll County

Common questions about cost of living, rent and salary.

What is the average rent in Carroll County?

In Carroll County, MD, a one-bedroom apartment averages $1,604 per month, a two-bedroom averages $1,965 per month, a three-bedroom averages $2,529 per month, according to HUD Fair Market Rent data.

What is the average salary in Carroll County?

In Carroll County, MD, the average household income is $115,876 per year and individual earnings for full-time workers average $60,012 per year, according to U.S. Census Bureau data.

What is the cost of living in Carroll County?

The estimated cost of living in Carroll County, MD is approximately $4,095 per month for a single person, $6,217 for a couple, $8,965 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Carroll County?

The combined sales tax rate in Carroll County, MD is 6.00%, which includes the Maryland state rate of 6.00% plus an average local rate of 0.00%.

Is Carroll County an affordable place to live?

Based on the data, a single person in Carroll County, MD would need approximately $4,095 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $115,876 per year ($9,656 per month). Carroll County is relatively affordable compared to the national average.

How much does healthcare cost in Carroll County?

The ACA marketplace benchmark premium in Carroll County, MD is approximately $480 per month for an individual. Approximately 2.8% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Carroll County?

The average home value in Carroll County, MD is $406,400, with average annual property taxes of $3,837, according to U.S. Census Bureau data.

How does Carroll County compare to other areas?

You can compare Carroll County, MD with any other US county using our comparison tool at /compare. Carroll County is in the Baltimore-Columbia-Towson, MD metro area.

Other counties in Maryland

Browse the full list of counties in Maryland, ranked by cost of living.

See all counties in Maryland

Compare Carroll County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources