| Index | Shepherdstown | West Virginia | National |
| Cost of living | 121 | 85 | 100 |
| Goods & Services | 109 | 95 | 100 |
| Groceries | 108 | 98 | 100 |
| Health care | 97 | 97 | 100 |
| Housing | 156 | 62 | 100 |
| Transportation | 95 | 94 | 100 |
| Utilities | 110 | 96 | 100 |
| Cost of living index | |
| Goods & Services index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $98,214 | $8,185 | $2,292 | $2,947 |
| Renters | $45,625 | $3,802 | $1,065 | $1,369 |
| State | General Sales Tax | With Max Surtax |
| West Virginia | 6% | 7% |
| State | Income Tax (Low) | Income Tax (High) |
| West Virginia | 3% | 6.5% |
| Item | Shepherdstown | National avg. | Difference |
| Haircut | $26.11 | $24.26 | 7.6% |
| Beauty Salon | $70.08 | $45.56 | 53.8% |
| Toothpaste | $3.81 | $3.70 | 2.8% |
| Shampoo | $1.51 | $1.28 | 17.9% |
| Movie | $15.69 | $12.13 | 29.3% |
| Bowling | $24.83 | $18.00 | 38.0% |
| Item | Shepherdstown | National avg. | Difference |
| Ground Beef | $6.24 | $5.84 | 6.9% |
| Fried Chicken | $1.40 | $1.57 | 11.0% |
| Milk | $4.78 | $4.67 | 2.2% |
| Potatoes | $5.49 | $4.93 | 11.3% |
| Pizza | $12.56 | $12.09 | 3.9% |
| Beer | $11.10 | $10.41 | 6.6% |
| Item | Shepherdstown | National avg. | Difference |
| Optometrist | $92.00 | $125.68 | 26.8% |
| Doctor | $135.03 | $135.78 | 0.5% |
| Dentist | $117.67 | $113.29 | 3.9% |
| Ibuprofen | $11.52 | $10.65 | 8.1% |
| Lipitor | $403.79 | $468.60 | 13.8% |
| Item | Shepherdstown | National avg. | Difference |
| Home Price | $330,900.00 | $184,700.00 | 79.2% |
| Avg. Mortgage Payment | $4,819.29 | $2,346.69 | 105.4% |
| Apartment Rent | $961.00 | $949.00 | 1.3% |
| Item | Shepherdstown | National avg. | Difference |
| Gasoline | $3.25 | $3.46 | 6.0% |
| Tire Balancing | $59.00 | $59.92 | 1.5% |
| Item | Shepherdstown | National avg. | Difference |
| All Electricity | $222.47 | $193.99 | 14.7% |
| Phone | $197.37 | $192.25 | 2.7% |
| City | Population | Cost of Living Index | National Avg. |
| Ernstville, MD | 25 | 106 | 6.3% |
| Big Spring, MD | 50 | 106 | 6.3% |
| Gapland, MD | 60 | 106 | 6.3% |
| Mercersville, MD | 188 | 106 | 6.3% |
| Bakersville, MD | 0 | 106 | 6.3% |
| Shepherdstown, WV | 1,657 | 121 | 21.1% |
| City | Population | Cost of Living Index | National Avg. |
| Bruce, MS | 1,657 | 74 | 26.3% |
| Arlington, NE | 1,657 | 96 | 3.9% |
| Capron, IL | 1,656 | 86 | 14.1% |
| Roodhouse, IL | 1,656 | 79 | 21.4% |
| Stockton, IL | 1,656 | 84 | 16.5% |
| Shepherdstown, WV | 1,657 | 121 | 21.1% |
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