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Fort Detrick

Cost of Living

The cost of living in Frederick, Maryland, is significantly higher than the national average, driven primarily by high housing costs.

While the exact percentage varies slightly by source and the time of reporting, it is consistently reported as being well above the U.S. average. 

Here is a breakdown of the cost of living in Frederick, based on data available in 2025.

Cost relative to national average:

  • Overall: Frederick's cost of living is approximately 30% higher than the national average.
  • Housing: Housing is the biggest factor, with costs being anywhere from 79% to 85% more expensive than the national average.
  • Utilities: Utility prices are around 10% higher than the national average.
  • Groceries: Grocery costs are roughly 10% higher than the national average.
  • Healthcare: Healthcare expenses are about 11% higher than the national average.
  • Transportation: Transportation costs are slightly higher, around 2–4% more than the national average.

Housing costs:

  • Rent: A one-bedroom apartment is around $1,600 per month, while a three-bedroom averages approximately $2,200 per month.
  • Home purchase: The average home price in Frederick is about $450,000. 

Salary needed to live comfortably:

  • A single adult needs to earn an estimated salary of around $78,288 per year to live comfortably.
  • A single adult with no children needs to make at least $27.91 per hour, according to the MIT Living Wage Calculator. 

Comparison to other areas

Despite being expensive Frederick is still more affordable than Washington, D.C. especially regarding housing.  

Higher than other cities: For reference, Frederick's 2025 cost of living is higher than that of Miami and Chicago, though less expensive than Boston or New York City.