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Lexington Park, MD

Cost of living in St. Mary's County, MD

Part of the Lexington Park Metro Area

Estimated monthly cost
$4,175/mo
for a single person, all categories combined

Population 114,372 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,624 39%
Federal tax $867 21%
Healthcare $480 11%
Groceries $382 9%
Transport $320 8%
State tax $243 6%
Energy $204 5%
Water $55 1%

Rent in St. Mary's County

Fair Market Rents by bedroom count.

Studio
$1,493
per month
1 bedroom
$1,624
per month
2 bedroom
$1,831
per month
3 bedroom
$2,285
per month
4 bedroom
$2,818
per month

Source: HUD FMR FY2025

Income and earnings in St. Mary's County

Annual earnings figures from the Census ACS.

Household income
$114,580
per year
Individual earnings
$62,595
per year
Per capita
$51,358
per year

Source: ACS 2019-2023 5-Year.

Home values in St. Mary's County

Average values reported by homeowners.

Average home value
$390,900
Annual property tax
$3,392

Source: ACS 2019-2023 5-Year

Energy costs in St. Mary's 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 St. Mary's County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
3.7%

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 St. Mary's 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 St. Mary's County

Commute patterns and estimated costs.

Average commute
30.4 min
Drive alone
75.0%
Public transit
1.0%
Work from home
15.3%

Source: ACS

Monthly cost estimates for St. Mary's County

What it costs to live in St. Mary's County each month.

Single person
$4,175
per month
  • Rent $1,624
  • Energy $204
  • Water $55
  • Groceries $382
  • Transport $320
  • Healthcare $480
  • Federal tax $867
  • State tax $243
Couple
$6,056
per month
  • Rent $1,831
  • Energy $245
  • Water $65
  • Groceries $633
  • Transport $420
  • Healthcare $864
  • Federal tax $1,546
  • State tax $452
Family
$8,694
per month
  • Rent $2,285
  • Energy $306
  • Water $75
  • Groceries $960
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,546
  • State tax $452

Frequently asked questions about St. Mary's County

Common questions about cost of living, rent and salary.

What is the average rent in St. Mary's County?

In St. Mary's County, MD, a one-bedroom apartment averages $1,624 per month, a two-bedroom averages $1,831 per month, a three-bedroom averages $2,285 per month, according to HUD Fair Market Rent data.

What is the average salary in St. Mary's County?

In St. Mary's County, MD, the average household income is $114,580 per year and individual earnings for full-time workers average $62,595 per year, according to U.S. Census Bureau data.

What is the cost of living in St. Mary's County?

The estimated cost of living in St. Mary's County, MD is approximately $4,175 per month for a single person, $6,056 for a couple, $8,694 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in St. Mary's County?

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

Is St. Mary's County an affordable place to live?

Based on the data, a single person in St. Mary's County, MD would need approximately $4,175 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $114,580 per year ($9,548 per month). St. Mary's County is relatively affordable compared to the national average.

How much does healthcare cost in St. Mary's County?

The ACA marketplace benchmark premium in St. Mary's County, MD is approximately $480 per month for an individual. Approximately 3.7% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in St. Mary's County?

The average home value in St. Mary's County, MD is $390,900, with average annual property taxes of $3,392, according to U.S. Census Bureau data.

How does St. Mary's County compare to other areas?

You can compare St. Mary's County, MD with any other US county using our comparison tool at /compare. St. Mary's County is in the Lexington Park, 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 St. Mary's 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