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Cambridge, MD Utility & Living Guide
Living in Cambridge, MD offers a unique blend of historic charm and modern amenities in a small-town setting on the Eastern Shore of Maryland
Monthly Utility Costs
$140/mo
—
$50/mo
$30/mo
$60/mo
Housing Market
| Rent & Property | |
|---|---|
| 1 Bedroom | $1100/mo |
| 2 Bedrooms | $1400/mo |
| 3 Bedrooms | $1900/mo |
| Median Home Price | $240,000 |
| Property Tax Rate | 1.15% |
| Avg Childcare/mo | $900 |
The housing market in Cambridge is relatively affordable, with a mix of historic homes, new constructions, and waterfront properties. Rentals are also available, including apartments and single-family homes. However, the market can be competitive, especially for waterfront properties.
Cost of Living
105
+5% above national average
102
98
100
$900
Tax Rates
| Tax Overview | |
|---|---|
| Total Sales Tax | 6% |
| Property Tax Rate | 1.15% |
| <p>State 6% + No County tax + No City tax</p> | |
Maryland state income tax ranges from 4.75% to 5.75%, with a state standard deduction of $2,300 for single filers and $4,600 for joint filers
Family & Relocation
55
6.2/10
$900/mo
City Pulse
Cambridge has a limited public transportation system, but the downtown area is relatively walkable and stroller-friendly, with wide sidewalks and crosswalks
- Harriet Tubman Museum
- Cambridge Creek Winery
- Sailwinds Park
Best Neighborhoods for Families
Household Budget Calculator
Estimate your real monthly cost of living in Cambridge based on your household profile.
Local Briefing & Neighborhood Pulse
Live Local News
Cambridge has regulations regarding zoning, historic district preservation, and environmental protection, including a ban on single-use plastic bags
Financial Tools
- Income Tax CalculatorEstimate take-home pay by state
- Mortgage CalculatorMonthly payment estimator
- Affordability CalculatorHow much home can you afford?
- Childcare Cost EstimatorCompare daycare costs by city
- Retirement PlannerRetirement readiness check
- Car Lease CalculatorMonthly lease payment estimator
- Savings CalculatorGrow your emergency fund
- City Comparison ToolCompare cities side by side
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📊 Cambridge — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
☀️ Seasonal Utility Costs
Utility costs in Cambridge tend to be higher in the summer due to air conditioning usage, with average electricity bills increasing by 20-30% during the peak summer months. In contrast, winter utility bills are relatively lower, with average costs decreasing by 10-20% due to milder winters.
🏛️ Local Tax Details
The property tax millage rate in Cambridge is 1.15, with no local surtaxes. The city's tax rate is relatively low compared to other areas in Maryland.
👶 Family & Stroller Friendliness
Score 8/10: Cambridge has wide sidewalks, crosswalks, and a relatively flat terrain, making it easy to navigate with a stroller. However, some areas of the city may lack elevator access in older buildings, and park access can be limited in certain neighborhoods.
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