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Philadelphia-Camden-Wilmington, PA-NJ-DE-MD

Cost of living in Cecil County, MD

Part of the Philadelphia Metro Area

Estimated monthly cost
$3,881/mo
for a single person, all categories combined

Population 104,366 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,512 39%
Federal tax $719 19%
Healthcare $480 12%
Groceries $382 10%
Transport $320 8%
State tax $209 5%
Energy $204 5%
Water $55 1%

Rent in Cecil County

Fair Market Rents by bedroom count.

Studio
$1,372
per month
1 bedroom
$1,512
per month
2 bedroom
$1,802
per month
3 bedroom
$2,171
per month
4 bedroom
$2,468
per month

Source: HUD FMR FY2025

Income and earnings in Cecil County

Annual earnings figures from the Census ACS.

Household income
$91,146
per year
Individual earnings
$53,995
per year
Per capita
$42,560
per year

Source: ACS 2019-2023 5-Year.

Home values in Cecil County

Average values reported by homeowners.

Average home value
$311,800
Annual property tax
$3,059

Source: ACS 2019-2023 5-Year

Energy costs in Cecil 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 Cecil County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
3.8%

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 Cecil 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 Cecil County

Commute patterns and estimated costs.

Average commute
29.1 min
Drive alone
76.1%
Public transit
0.5%
Work from home
10.4%

Source: ACS

Monthly cost estimates for Cecil County

What it costs to live in Cecil County each month.

Single person
$3,881
per month
  • Rent $1,512
  • Energy $204
  • Water $55
  • Groceries $382
  • Transport $320
  • Healthcare $480
  • Federal tax $719
  • State tax $209
Couple
$5,547
per month
  • Rent $1,802
  • Energy $245
  • Water $65
  • Groceries $633
  • Transport $420
  • Healthcare $864
  • Federal tax $1,162
  • State tax $356
Family
$8,100
per month
  • Rent $2,171
  • Energy $306
  • Water $75
  • Groceries $960
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,162
  • State tax $356

Frequently asked questions about Cecil County

Common questions about cost of living, rent and salary.

What is the average rent in Cecil County?

In Cecil County, MD, a one-bedroom apartment averages $1,512 per month, a two-bedroom averages $1,802 per month, a three-bedroom averages $2,171 per month, according to HUD Fair Market Rent data.

What is the average salary in Cecil County?

In Cecil County, MD, the average household income is $91,146 per year and individual earnings for full-time workers average $53,995 per year, according to U.S. Census Bureau data.

What is the cost of living in Cecil County?

The estimated cost of living in Cecil County, MD is approximately $3,881 per month for a single person, $5,547 for a couple, $8,100 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Cecil County?

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

Is Cecil County an affordable place to live?

Based on the data, a single person in Cecil County, MD would need approximately $3,881 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $91,146 per year ($7,596 per month). Cecil County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Cecil County?

The ACA marketplace benchmark premium in Cecil County, MD is approximately $480 per month for an individual. Approximately 3.8% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Cecil County?

The average home value in Cecil County, MD is $311,800, with average annual property taxes of $3,059, according to U.S. Census Bureau data.

How does Cecil County compare to other areas?

You can compare Cecil County, MD with any other US county using our comparison tool at /compare. Cecil County is in the Philadelphia-Camden-Wilmington, PA-NJ-DE-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 Cecil 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