Maryland · Census, HUD and BEA figures · Updated

Cost of Living in Cecil County, MD

Prices around Cecil County, MD run 2.6% above the U.S. average (BEA, the metro area). The typical household there earns $92,007 a year, and HUD puts a two-bedroom at $1,810 a month. Keeping that rent under 30% of income takes about $72,400 a year.

Cecil County, MD at a glance

Median household income

$92,007$7,667 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$1,810HUD FY2026 Fair Market Rent
Price level (U.S. = 100)102.6+2.6% · BEA, the metro area
Electricity21.8¢per kWh · EIA Residential MD
Population104,960Census ACS 5-year estimate

How much rent can you afford in Cecil County, MD?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$1,810Monthly market rent
Share of gross income23.6%Recommended max: 30%
Annual income needed$72,400To meet the 30% standard
Max affordable rent$2,300At 30% of $92,007
0%30% (Affordability standard)100%
Compare against:

How much is rent in Cecil County, MD? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in Cecil County, MD, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$1,397$16,764$55,88018.2%
1-Bedroom Apartment$1,520$18,240$60,80019.8%
2-Bedroom ApartmentBenchmark$1,810$21,720$72,40023.6%
3-Bedroom Home$2,170$26,040$86,80028.3%
4-Bedroom Home$2,423$29,076$96,92031.6%

Rent in Cecil County, MD, with the wage each unit needs →

What a typical income covers in Cecil County, MD

The 50/30/20 rule applied to the local median of $92,007 a year ($7,667 a month before tax).

Needs (50%)$3,834/moRent ($1,810 2-BR), utilities (~$197/mo), groceries, transit
Wants (30%)$2,300/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$1,533/moEmergency fund, retirement, paying down loans

What $92,007 leaves after Maryland taxes

Federal income tax, Social Security, Medicare and Maryland tax on the local median income. Change the salary to see yours.

$92,007
$35,000$185,000
Filing status:
Gross salary breakdown$92,007
Net 76%
Fed 12%
MD 4%
FICA 8%
Annual take-home$69,550After all taxes
Monthly deposit$5,796Estimated per month
Biweekly paycheck$2,675Every 2 weeks (26/yr)
Effective tax rate24.4%Total tax burden
Federal income tax$11,412 / yr
Maryland state income tax$4,007 / yr
FICA (Social Security & Medicare)$7,039 / yr

Living in Cecil County, MD: common questions

What is the median household income in Cecil County, MD?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Cecil County, MD is $92,007 per year (approximately $7,667 per month).

What is the average rent in Cecil County, MD?

The closest official figure is HUD's Fair Market Rent for 2026: $1,397 for a studio, $1,520 for one bedroom, $1,810 for two, $2,170 for three and $2,423 for four, utilities included.

It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.

Is Cecil County, MD expensive to live in?

Prices there run 2.6% above the U.S. average. BEA's regional price parity for the metro area is 102.6, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.

How much do you need to earn to comfortably afford rent in Cecil County, MD?

To keep a $1,810 two-bedroom under 30% of gross income, a household needs about $72,400 a year, or $6,033 a month. That is 79% of what the typical household in Cecil County, MD earns.

How much do you need to live comfortably in Cecil County, MD?

On the local median income of $92,007 ($7,667 a month before tax), the 50/30/20 rule leaves $3,834 a month for needs like rent, utilities and groceries, $2,300 for everything else and $1,533 for savings or debt. A two-bedroom at $1,810 takes 47% of the needs share.

How much is the electric bill in Cecil County, MD?

Homes in Maryland paid 21.8¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $197. Your bill depends mostly on heating and cooling.