Cost Of Living in St. James, MD

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	St. James	Maryland	National
Cost of living	116	119	100
Goods & Services	109	106	100
Groceries	108	106	100
Health care	97	97	100
Housing	139	150	100
Transportation	95	98	100
Utilities	110	111	100

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Cost Of Living Quick Facts

The cost of living in St. James is 2% lower than the Maryland average
The cost of living in St. James is 16% higher than the national average
St. James housing is 39% higher than the national average
Maryland general sales tax is 18% higher than the national average
Maryland state income tax is 23% lower than the national average

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Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$100,670	$8,389	$2,349	$3,020
Renters	$51,977	$4,331	$1,213	$1,559

Maryland Sales Tax

State	General Sales Tax	With Max Surtax
Maryland	6%	6%

Maryland Income Tax

State	Income Tax (Low)	Income Tax (High)
Maryland	2%	5.75%

Goods & Services

Item	St. James	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%

Groceries

Item	St. James	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%

Health Care

Item	St. James	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%

Housing

Item	St. James	National avg.	Difference
Home Price	$274,300.00	$184,700.00	48.5%
Avg. Mortgage Payment	$4,819.29	$2,346.69	105.4%
Apartment Rent	$1,097.00	$949.00	15.6%

Transportation

Item	St. James	National avg.	Difference
Gasoline	$3.25	$3.46	6.0%
Tire Balancing	$59.00	$59.92	1.5%

Utilities

Item	St. James	National avg.	Difference
All Electricity	$222.47	$193.99	14.7%
Phone	$197.37	$192.25	2.7%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Antietam, MD	45	106	6.3%
Reid, MD	0	106	6.3%
Indian Springs, MD	18	106	6.3%
Trego-Rohrersville Station, MD	101	106	6.3%
Eakles Mill, MD	0	106	6.3%
St. James, MD	3,567	116	16.0%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Copperopolis, CA	3,566	135	34.9%
Beaver Dam, KY	3,566	87	13.1%
Golf Manor, OH	3,566	89	10.7%
Cowichan Valley D, BC	3,569	n/a
Indianola, WA	3,564	134	33.8%
St. James, MD	3,567	116	16.0%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

Cost of Living in St. James, MD