Prince Frederick, MD Cost of Living & Utility Guide 2026

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Prince Frederick, MD Utility & Living Guide

Living in Prince Frederick, MD offers a unique blend of rural charm and access to urban amenities, making it an attractive option for those looking to escape the hustle and bustle of city life.

Last updated: October 5, 2026

Total Utilities$280/mo

1BR Rent$1300/mo

Sales Tax6%

COL Index110 (+10% above national average)

Family Score7/10

Median Home$340,000

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The current financial trends in Prince Frederick indicate a growing economy, with new businesses and developments emerging in the area. However, the town still maintains its small-town charm and natural beauty, making it an attractive option for those looking to relocate.

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🔌 Utilities

🏠 Housing

📊 Cost of Living

💰 Taxes

👨‍👩‍👧 Families

🧮 Tools

Monthly Utility Costs

⚡ Electric

$140/mo

Southern Maryland Electric Cooperative (SMECO)

🔥 Gas

—

N/A - Electric only

💧 Water

$50/mo

Calvert County Water and Sewerage

🗑️ Garbage

$30/mo

Calvert County Solid Waste

📶 Internet

$60/mo

Combined Average Overhead$280/month

Housing Market

Rent & Property
1 Bedroom	$1300/mo
2 Bedrooms	$1700/mo
3 Bedrooms	$2300/mo
Median Home Price	$340,000
Property Tax Rate	1.15%
Avg Childcare/mo	$1200

The housing market in Prince Frederick is relatively stable, with a mix of new developments and established neighborhoods. Home prices have been steadily increasing over the past few years, but remain relatively affordable compared to other areas in the region. Rentals are also available, with a range of options from apartments to single-family homes.

Cost of Living

Overall COL Index

110

US national avg = 100

vs National Avg

+10% above national average

Groceries

105

Transportation

Healthcare

105

Childcare/mo

$1200

Tax Rates

Tax Overview
Total Sales Tax	6%
Property Tax Rate	1.15%
<p>State 6% + County 0%</p>

Maryland has a progressive income tax system, with rates ranging from 4.75% to 5.75%. Residents of Prince Frederick are also subject to federal income tax.

Family & Relocation

Family Vibe Score

7/10

Safety Index

Higher = safer

School Rating

7.2/10

GreatSchools avg

Avg Childcare

$1200/mo

City Pulse

Population Trend

+5% (growing)

Political Climate

Purple description, with a mix of conservative and liberal views

Business Momentum

Moderate, with key industries including healthcare, education, and tourism

Top Local Concerns

Traffic, education, public safety

🚌 Transit for Families

Public transit in Prince Frederick is limited, but the town is relatively walkable and bikeable, with some stroller-friendly sidewalks and parks

🎡 Top Kid Attractions

🎯
Calvert Cliffs State Park
🎯
Annmarie Sculpture Garden
🎯
Chesapeake Beach

Best Neighborhoods for Families

The best neighborhoods for families in Prince Frederick include the downtown area, with its walkable streets and community events, as well as the surrounding suburbs, which offer a range of housing options and access to parks and outdoor spaces. The town also has a number of family-friendly communities, with amenities such as pools and playgrounds.

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

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Prince Frederick has regulations in place regarding zoning, building permits, and environmental protection. Residents are also subject to Calvert County ordinances and regulations.

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📊 Prince Frederick — Census & Demographic Data

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

☀️ Seasonal Utility Costs

Utility costs in Prince Frederick tend to be higher in the summer months, due to the need for air conditioning, with average electric bills increasing by 20-30% during this time. In the winter, costs are lower, but residents may still need to pay for heating, with average bills increasing by 10-20%.

🏛️ Local Tax Details

The ZIP code 20678 has a property tax millage rate of 0.85, with no local surtaxes. However, residents are still subject to Calvert County property taxes, which range from 0.5 to 1.2% of the property's assessed value.

👶 Family & Stroller Friendliness

6, with explanation: Prince Frederick has some stroller-friendly sidewalks and parks, but the town's rural nature and limited public transit options can make it difficult to get around without a car. However, the town is relatively flat and easy to navigate, making it accessible for families with strollers.

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