If you want to retire, one state you can try is The Old Line State, Maryland. Maryland is also known as the Free State, and you can feel that freedom when you visit. This state is for you if you like bays with delicious blue crabs and some gorgeous attractions. Depending on where you live in Maryland, the summers and winters can either be cooler or hotter, so keep that in mind when you visit. Maryland is a state that can be a great place to retire, but it can cost you. See the next section, where we will break down the costs.
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Maryland is, unfortunately, more expensive than the national average on all fronts. Overall, it ranks nearly 30 points above the national average. Your paycheck will take less of a hit from utilities and groceries, but you will be paying a lot for housing, over 70 points above the national average! The median home cost and rent are more expensive as well. So if you want to retire here, you either need to have some money or be strategic about what area of Maryland you choose. While there are more affordable areas, you might want to look elsewhere if you have a low budget.
Cost-of-living indices
100 = US average. Higher means more expensive.
Housing & rent
Statewide medians and averages.
Whether you're comparing options for a parent or planning ahead for yourself, here's where to start by care level.
Assisted living provides personal care, meals, and daily support for seniors who need help with everyday tasks but not full medical supervision.
Memory care is a specialized type of senior living for people with Alzheimer's disease, dementia, or other cognitive decline.
Independent living is community housing for active seniors who want amenities, social life, and freedom from home upkeep without daily personal-care services.
Home care brings personal-care services and companionship into the senior's own home rather than moving them into a community.
A skilled nursing facility (SNF, often called a nursing home) provides 24-hour licensed medical care and rehabilitation for seniors with serious health conditions.
Senior apartments are age-restricted rental homes - typically for residents 55+ or 62+ - designed for older adults who live independently.
Browse by city
Hand-picked from our directory
Caregivers who come to you
Ashton, MD
4.6 · 168 reviews
Crofton, MD
4.5 · 147 reviews
Easton, MD
4.6 · 123 reviews
Gaithersburg, MD
4.6 · 105 reviews
Columbia, MD
4.5 · 88 reviews
Frederick, MD
4.8 · 78 reviews
55+ housing without daily care
Local pricing
Median monthly cost of assisted living, sourced from public data. Actual community pricing varies by apartment size, level of care, and amenities.
| City | Avg. monthly cost |
|---|---|
| Abell | $6,113.00 |
| Aberdeen | $6,010.00 |
| Aberdeen Proving Ground | $6,010.00 |
| Abingdon | $6,010.00 |
| Accident | $6,010.00 |
| Accokeek | $5,955.00 |
| Adamstown | $5,928.00 |
| Allen | $5,272.00 |
| Andrews Air Force Base | $4,999.00 |
| Annapolis | $4,917.00 |
| Annapolis Junction | $4,917.00 |
| Aquasco | $4,887.00 |
| Arnold | $4,753.00 |
| Ashton | $4,521.00 |
| Avenue | $4,370.00 |
| Baldwin | $4,261.00 |
| Baltimore | $4,020.00 |
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