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Maryland

Cost of living in Garrett County, MD

Estimated monthly cost
$2,937/mo
for a single person, all categories combined

Population 28,713 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $825 28%
Federal tax $512 17%
Healthcare $480 16%
Groceries $382 13%
Transport $320 11%
Energy $204 7%
State tax $159 5%
Water $55 2%

Rent in Garrett County

Fair Market Rents by bedroom count.

Studio
$811
per month
1 bedroom
$825
per month
2 bedroom
$933
per month
3 bedroom
$1,307
per month
4 bedroom
$1,532
per month

Source: HUD FMR FY2025

Income and earnings in Garrett County

Annual earnings figures from the Census ACS.

Household income
$69,031
per year
Individual earnings
$41,363
per year
Per capita
$42,328
per year

Source: ACS 2019-2023 5-Year.

Home values in Garrett County

Average values reported by homeowners.

Average home value
$217,000
Annual property tax
$1,792

Source: ACS 2019-2023 5-Year

Energy costs in Garrett 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 Garrett County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
6.0%

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 Garrett 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 Garrett County

Commute patterns and estimated costs.

Average commute
24.1 min
Drive alone
77.0%
Public transit
0.7%
Work from home
11.1%

Source: ACS

Monthly cost estimates for Garrett County

What it costs to live in Garrett County each month.

Single person
$2,937
per month
  • Rent $825
  • Energy $204
  • Water $55
  • Groceries $382
  • Transport $320
  • Healthcare $480
  • Federal tax $512
  • State tax $159
Couple
$4,229
per month
  • Rent $933
  • Energy $245
  • Water $65
  • Groceries $633
  • Transport $420
  • Healthcare $864
  • Federal tax $800
  • State tax $269
Family
$6,787
per month
  • Rent $1,307
  • Energy $306
  • Water $75
  • Groceries $960
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $800
  • State tax $269

Frequently asked questions about Garrett County

Common questions about cost of living, rent and salary.

What is the average rent in Garrett County?

In Garrett County, MD, a one-bedroom apartment averages $825 per month, a two-bedroom averages $933 per month, a three-bedroom averages $1,307 per month, according to HUD Fair Market Rent data.

What is the average salary in Garrett County?

In Garrett County, MD, the average household income is $69,031 per year and individual earnings for full-time workers average $41,363 per year, according to U.S. Census Bureau data.

What is the cost of living in Garrett County?

The estimated cost of living in Garrett County, MD is approximately $2,937 per month for a single person, $4,229 for a couple, $6,787 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Garrett County?

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

Is Garrett County an affordable place to live?

Based on the data, a single person in Garrett County, MD would need approximately $2,937 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $69,031 per year ($5,753 per month). Garrett County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Garrett County?

The ACA marketplace benchmark premium in Garrett County, MD is approximately $480 per month for an individual. Approximately 6.0% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Garrett County?

The average home value in Garrett County, MD is $217,000, with average annual property taxes of $1,792, according to U.S. Census Bureau data.

How does Garrett County compare to other areas?

You can compare Garrett County, MD with any other US county using our comparison tool at /compare. Garrett County is in Maryland.

Other counties in Maryland

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

See all counties in Maryland

Compare Garrett 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