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Maryland · 2026 Federal Benchmarks

Cost of Living in Anne Arundel County, MD

The median household in Anne Arundel County, MD earns $124,911 a year ($10,409/month) according to U.S. Census Bureau ACS data. Benchmark 2-bedroom rent is $1,857/month under HUD Fair Market Rents, requiring an annual income of at least $74,280 under the federal 30% housing rule, with overall consumer prices sitting 4.5% above the national baseline.

Key Economic Benchmarks

Median Household Income

$124,911$10,409 per month · U.S. Census Bureau ACS 5-Year
2-Bedroom Rent$1,857HUD FY2026 Fair Market Rent
Price Parity (RPP)104.5+4.5% vs national baseline
Electricity Rate21.8¢per kWh · EIA Residential MD
Census Population598,166Official resident count

Fair market rent & 30% rule in Anne Arundel County, MD

Official HUD Fair Market Rents evaluated against local household income benchmarks.

Affordable (< 30% of income)
HUD Fair Market Rent$1,857Monthly market rent
Share of gross income17.8%Recommended max: 30%
Annual income needed$74,280To meet the 30% standard
Max affordable rent$3,123At 30% of $124,911
0%30% (Affordability standard)100%
Compare against:
Explore full cost-of-living calculator

2026 HUD Fair Market Rent Schedule: Anne Arundel County, MD

Official FY2026 HUD Fair Market Rents for Baltimore-Columbia-Towson, MD MSA. Under the federal 30% housing affordability standard, housing costs are sustainable when they consume 30% or less of gross household income.

HUD FY2026 Fair Market Rent Schedule for Anne Arundel County, MD
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$1,362$16,344$54,48013.1%
1-Bedroom Apartment$1,511$18,132$60,44014.5%
2-Bedroom ApartmentBenchmark$1,857$22,284$74,28017.8%
3-Bedroom Home$2,358$28,296$94,32022.7%
4-Bedroom Home$2,611$31,332$104,44025.1%

See dedicated rental breakdown for Anne Arundel County, MD →

50/30/20 Living Budget in Anne Arundel County, MD

Based on the local median household income of $124,911/year ($10,409/month), here is how a balanced budget allocates expenses:

Needs (50%)$5,205/moRent ($1,857 2-BR), utilities (~$197/mo), groceries, transit
Wants (30%)$3,123/moDiscretionary spending: dining, leisure, recreation at 104.5 RPP price level
Savings & Debt (20%)$2,082/moEmergency fund, 401(k), IRA retirement, student loan and debt reduction

Take-Home Pay & Tax Explorer in Maryland

Explore net income after federal income tax, FICA, and Maryland state income tax based on the local median baseline.

$124,911
$45,000$250,000
Filing status:
Gross salary breakdown$124,911
Net 73%
Fed 15%
MD 5%
FICA 8%
Annual take-home$90,947After all taxes
Monthly deposit$7,579Estimated per month
Biweekly paycheck$3,498Every 2 weeks (26/yr)
Effective tax rate27.2%Total tax burden
Federal income tax$18,713 / yr
Maryland state income tax$5,696 / yr
FICA (Social Security & Medicare)$9,556 / yr
Customize deductions in full Maryland calculator

Compare earnings and living costs across Maryland with official federal datasets:

Frequently Asked Questions About Living in Anne Arundel County, MD

What is the median household income in Anne Arundel County, MD?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Anne Arundel County, MD is $124,911 per year (approximately $10,409 per month).

What is the average rent in Anne Arundel County, MD?

According to HUD Fair Market Rent (FMR) benchmarks for 2026, standard monthly rents in Anne Arundel County, MD are $1,362 for a studio, $1,511 for 1 bedroom, $1,857 for 2 bedrooms, $2,358 for 3 bedrooms, and $2,611 for 4 bedrooms.

How does the cost of living in Anne Arundel County, MD compare to the national average?

Based on the Bureau of Economic Analysis (BEA) Regional Price Parity index, the general price level in Anne Arundel County, MD is 104.5 (4.5% higher than the U.S. national baseline of 100.0).

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

Under the standard 30% housing affordability standard, renting a median 2-bedroom home ($1,857/month) in Anne Arundel County, MD requires a minimum gross household income of $74,280 per year ($6,190 per month).

What is a balanced 50/30/20 monthly budget in Anne Arundel County, MD?

For a typical household earning the median income of $124,911/year ($10,409/month) in Anne Arundel County, MD, a balanced 50/30/20 budget allocates $5,205/month to essential needs (rent, utilities, groceries), $3,123/month to discretionary spending, and $2,082/month to savings and debt repayment.

What are typical electricity and utility costs in Anne Arundel County, MD?

Residential electricity rates in Maryland average 21.8¢ per kWh according to the U.S. Energy Information Administration (EIA). For an average home using 900 kWh per month, the estimated electric bill is approximately $197 per month.