Loveville, MD Utility & Living Guide

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Tier 3 Location

Loveville, MD Utility & Living Guide

Living in Loveville, MD offers a charming small-town experience with easy access to outdoor recreation and a strong sense of community.

Last updated: June 26, 2026
Total Utilities$290/mo
1BR Rent$1100/mo
Sales Tax6%
COL Index108 (+8% above national average)
Family Score7/10
Median Home$340,000
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⚠️ Natural Hazard History — Loveville
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💰 Budget Calculator
🔌 Utilities
🏠 Housing
📊 Cost of Living
💰 Taxes
👨‍👩‍👧 Families
🧮 Tools

Monthly Utility Costs

⚡ Electric

$140/mo

SMECO (Southern Maryland Electric Cooperative)
🔥 Gas

N/A - Electric only
💧 Water

$50/mo

St. Mary's County Metropolitan Commission
🗑️ Garbage

$30/mo

St. Mary's County Department of Public Works
📶 Internet

$70/mo

Combined Average Overhead $290/month

Housing Market

Rent & Property
1 Bedroom$1100/mo
2 Bedrooms$1400/mo
3 Bedrooms$1900/mo
Median Home Price$340,000
Property Tax Rate1.15%
Avg Childcare/mo$1200

The housing market in Loveville is characterized by a mix of older and newer homes, with a growing demand for rentals. Home prices have been steadily increasing over the past few years, but remain relatively affordable compared to other areas in the region. The town has a strong sense of community, with many residents actively involved in local events and initiatives.

Cost of Living

Overall COL Index

108

US national avg = 100
vs National Avg

+8% above national average

Groceries

105

Transportation

92

Healthcare

102

Childcare/mo

$1200

Tax Rates

Tax Overview
Total Sales Tax6%
Property Tax Rate1.15%
<p>State 6% + County 0% + City 0%</p>

Maryland has a progressive state income tax system, with rates ranging from 2% to 5.75%. Loveville residents are also subject to federal income tax.

Family & Relocation

Family Vibe Score
7/10
Safety Index

60

Higher = safer
School Rating

7/10

GreatSchools avg
Avg Childcare

$1200/mo

City Pulse

Population Trend
+2% (growing)
Political Climate
Purple description, with a mix of conservative and liberal views
Business Momentum
Moderate, with key industries including tourism, healthcare, and technology
Top Local Concerns
Traffic, education, public safety
🚌 Transit for Families

Loveville has a limited public transportation system, but it is relatively stroller-friendly, with accessible sidewalks and pedestrian crossings.

🎡 Top Kid Attractions
  • 🎯
    St. Mary's County Fairgrounds
  • 🎯
    Point Lookout State Park
  • 🎯
    St. Mary's River State Park

Best Neighborhoods for Families

The best neighborhoods for families in Loveville include the historic district, with its charming homes and tree-lined streets, as well as the newer developments on the outskirts of town, which offer more modern amenities and larger yards. The town also has a number of parks and playgrounds, making it an attractive option for families with young children.

Household Budget Calculator

Estimate your real monthly cost of living in Loveville based on your household profile.

Local Briefing & Neighborhood Pulse

Live Local News

Key local rules for residents include zoning ordinances, noise restrictions, and regulations on outdoor burning.

Loveville is experiencing a surge in new businesses and developments, driven by its growing population and strategic location. The town is also investing in infrastructure upgrades, including improvements to its roads and public transportation system.

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📊 Loveville — Census & Demographic Data

Official data from the US Census Bureau, American Community Survey.

☀️ Seasonal Utility Costs

Utility costs in Loveville tend to be higher in the summer months, when air conditioning is in high demand, and lower in the winter months, when heating needs are reduced. However, the town's mild climate means that extreme temperature fluctuations are rare, and utility costs remain relatively stable throughout the year.

🏛️ Local Tax Details

Key ZIP code level tax info: property tax millage rates range from 0.8 to 1.2, with no local surtaxes specific to Loveville county

👶 Family & Stroller Friendliness

Score 8/10, with explanation: Loveville has good sidewalk quality and park access, but elevator access in transit is limited, and family infrastructure could be improved with more dedicated bike lanes and playgrounds.

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