Cost of Living in Havre de Grace, MD
Cost of Living in Havre de Grace, MD has an overall index of 112, 12% above the U.S. baseline of 100. The typical home value is $398,315; typical monthly rent is $1,314; and median household income is $106,798.
Cost index: committed city housing/rent inputs and BEA 2024 metro-area price parities. Home value: Zillow ZHVI market signal as of 2026-02. Rent: Census ACS 2023 fallback place estimate. A place-level signal, not a personal affordability decision or financial recommendation.
Housing costs sit well above the national baseline. This describes the local market, not your household.
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Frequently asked questions about Havre de Grace
Living in Havre de Grace
Is Havre de Grace, MD an expensive place to live?+
Yes — Havre de Grace is about 12% more expensive than the national average, with an overall Cost Index of 112. Housing is the biggest factor: the typical home here is valued around $398,315, and monthly rents average roughly $1,314. Day-to-day costs like groceries and utilities tend to run closer to the national norm.
How does Havre de Grace fit a household housing budget?+
Start with housing. Typical monthly rent is $1,314, while local median household income is $106,798. That implies a rent-burden proxy of about 15% before utilities and other costs. Use that as a planning signal for whether the place looks manageable under your own household assumptions.
How much are taxes in Havre de Grace, MD?+
Maryland uses a progressive model; 5.75% is top marginal-rate context. Applying the 1.07% state-level effective owner-occupied proxy to a home worth $398,315 gives a planning estimate near $4,262 per year; it is not a city, county, parcel, or individual tax bill. State plus average local sales-tax context is around 6%.
How much does it cost to rent in Havre de Grace, MD?+
The typical monthly rent in Havre de Grace is around $1,314. That's close to the $1,348 national median. For comparison, the median home value here is $398,315, so buyers should also factor in mortgage payments, property taxes, and insurance.
How much does a house cost in Havre de Grace, MD?+
The typical home value in Havre de Grace is $398,315. With 20% down and the committed 6.11% national 30-year fixed benchmark as of 2026-03-12, principal and interest are roughly $1,933/month before property tax and insurance. This is a planning estimate, not a local lender quote. About 72% of residents here own their homes.
Are groceries and utilities expensive in Havre de Grace?+
Grocery prices in Havre de Grace are about average compared to the rest of the US (index: 102, where 100 is the national average). Utility bills (electricity, gas, water) are about typical (index: 110). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.
What is Havre de Grace, MD like to live in?+
Havre de Grace is a small town with a population of about 14,857. The median age of residents is 46.9, skewing somewhat older — common in established suburban communities. The local poverty rate is 9.25%, near the national average of 12.4%.