Sam SmithMaryland is often associated with the high costs of living near Washington D.C. and Baltimore, but beyond the I‑95 corridor lies a very different story. From Appalachian mountain towns to Chesapeake Bay fishing villages, Maryland offers pockets of affordability where housing is cheaper, life is slower, and communities are deeply rooted in history. This guide highlights 50 of the most affordable cities and towns across the state, balancing cost with livability to help you navigate Maryland’s diverse regions.
Top 50 Most Affordable Cities In Maryland
1. Cumberland (Allegany County)
Cumberland, nestled in the Appalachian Mountains, is historically Maryland’s most affordable city. Once a thriving industrial hub, it now offers very low housing costs and a slower pace of life. The city features historic architecture, scenic mountain views, and access to outdoor recreation like hiking and biking trails. While the economy faces challenges, Cumberland appeals to retirees, remote workers, and those seeking budget‑friendly living in a charming small‑city environment with deep history and Appalachian character.
2. Hagerstown (Washington County)
Hagerstown is Western Maryland’s largest city, strategically located near I‑81 with easy access to Pennsylvania and West Virginia. Housing costs are affordable, and the city offers a mix of historic districts, cultural venues, and shopping centers. Known for its arts community and proximity to Antietam National Battlefield, Hagerstown balances affordability with amenities. Its location makes it attractive for commuters and families seeking lower costs while staying connected to regional job markets and recreational opportunities.
3. Frederick (Frederick County)
Frederick blends affordability with charm, offering a historic downtown filled with shops, restaurants, and cultural attractions. While the city itself has become moderately priced, surrounding towns like Thurmont and Brunswick remain budget‑friendly. Frederick’s location provides access to both Washington D.C. and Baltimore, making it ideal for commuters. The area offers strong schools, outdoor recreation, and a vibrant community atmosphere. Frederick appeals to families and professionals seeking affordability with amenities and proximity to major job centers.
4. Baltimore City (Specific Neighborhoods)
Baltimore City offers affordability in select neighborhoods such as Highlandtown, Medfield, Pigtown/Washington Village, and Morrell Park. Housing costs are significantly lower than in the D.C. suburbs, though neighborhood quality varies widely. The city provides cultural institutions, universities, and a vibrant arts scene. Residents enjoy waterfront amenities and historic architecture. While property taxes and crime rates differ by block, Baltimore remains one of Maryland’s most affordable urban options, appealing to those seeking city living at a lower cost.
5. La Plata (Charles County)
La Plata, the county seat of Charles County, offers affordability compared to the D.C. exurbs. Housing costs are lower than in Prince George’s or Montgomery counties, while residents enjoy a suburban lifestyle with access to schools, parks, and local businesses. The town has a strong community feel and serves as a hub for Southern Maryland. La Plata appeals to families and professionals seeking affordability with reasonable commuting options to Washington D.C. and a quieter suburban environment.
6. Princess Anne (Somerset County)
Princess Anne, located on Maryland’s Eastern Shore, is a small historic town with very low living costs. Home to the University of Maryland Eastern Shore, it offers a mix of student energy and rural charm. Housing is inexpensive, and the community is welcoming, with historic architecture and cultural events. While job opportunities are limited, Princess Anne appeals to retirees, students, and remote workers seeking affordability, small‑town living, and access to the natural beauty of the Eastern Shore.
7. Elkton (Cecil County)
Elkton, at Maryland’s northern edge near Delaware and Pennsylvania, offers affordable housing and a modest cost of living. The town has a mix of industry, history, and suburban convenience. Its location provides easy access to regional job markets in Wilmington and Philadelphia while maintaining small‑town affordability. Elkton appeals to families and commuters seeking budget‑friendly living with proximity to larger cities. The town’s affordability and accessibility make it a practical choice for those balancing cost and convenience.
8. Cambridge (Dorchester County)
Cambridge, on the Choptank River, is a picturesque Eastern Shore town with very affordable housing. Once a major industrial hub, it now faces economic challenges, but revitalization efforts are underway. The town offers waterfront views, historic architecture, and cultural events. Residents enjoy boating, fishing, and access to Chesapeake Bay traditions. Cambridge appeals to those seeking affordability with scenic surroundings, though job opportunities are limited. It’s ideal for retirees, remote workers, or families drawn to waterfront living at low cost.
9. Westminster (Carroll County)
Westminster, the county seat of Carroll County, offers a charming downtown and affordable housing compared to the I‑95 corridor. The town blends suburban and rural living, with access to schools, shops, and cultural events. Its location provides reasonable commuting options to Baltimore while maintaining lower costs. Westminster appeals to families and professionals seeking affordability with community amenities and a quieter lifestyle. The town’s balance of cost, charm, and accessibility makes it a strong option in central Maryland.
10. Aberdeen (Harford County)
Aberdeen, home to the U.S. Army’s Aberdeen Proving Ground, offers affordable housing and stable employment opportunities tied to the military base. The town has a mix of suburban neighborhoods, local businesses, and access to Chesapeake Bay recreation. Housing costs are lower than in much of the Baltimore metro, making it appealing for families and professionals. Aberdeen’s affordability, combined with job stability and proximity to I‑95, makes it a practical choice for budget‑conscious residents seeking suburban convenience.
Most Affordable Cities & Towns in Maryland
| # | City / Town | County | Region | Cost Level |
|---|---|---|---|---|
| 1 | Cumberland | Allegany | Western MD | Very Low |
| 2 | Hagerstown | Washington | Western MD | Low |
| 3 | Frederick | Frederick | Central MD | Moderate |
| 4 | Baltimore (select neighborhoods) | Baltimore City | Central MD | Low |
| 5 | La Plata | Charles | Southern MD | Low |
| 6 | Princess Anne | Somerset | Eastern Shore | Very Low |
| 7 | Elkton | Cecil | Eastern Shore | Low |
| 8 | Cambridge | Dorchester | Eastern Shore | Very Low |
| 9 | Westminster | Carroll | Central MD | Low |
| 10 | Aberdeen | Harford | Central MD | Low |
| 11 | Frostburg | Allegany | Western MD | Very Low |
| 12 | Lonaconing / Westernport | Allegany | Western MD | Very Low |
| 13 | Grantsville | Garrett | Western MD | Very Low |
| 14 | Oakland | Garrett | Western MD | Low |
| 15 | Hancock | Washington | Western MD | Very Low |
| 16 | Salisbury | Wicomico | Eastern Shore | Low |
| 17 | Pocomoke City | Worcester | Eastern Shore | Very Low |
| 18 | Crisfield | Somerset | Eastern Shore | Very Low |
| 19 | Easton | Talbot | Eastern Shore | Moderate |
| 20 | Denton | Caroline | Eastern Shore | Low |
| 21 | Chestertown | Kent | Eastern Shore | Moderate |
| 22 | Centreville | Queen Anne’s | Eastern Shore | Low |
| 23 | North East | Cecil | Eastern Shore | Low |
| 24 | Ridgely | Caroline | Eastern Shore | Very Low |
| 25 | Greensboro | Caroline | Eastern Shore | Very Low |
| 26 | Leonardtown | St. Mary’s | Southern MD | Low |
| 27 | Lexington Park | St. Mary’s | Southern MD | Low |
| 28 | Prince Frederick | Calvert | Southern MD | Low |
| 29 | Laurel (PG side) | Prince George’s | Central MD | Low |
| 30 | Waldorf | Charles | Southern MD | Low |
| 31 | Dundalk | Baltimore County | Central MD | Very Low |
| 32 | Essex / Middle River | Baltimore County | Central MD | Very Low |
| 33 | Rosedale | Baltimore County | Central MD | Low |
| 34 | Lansdowne | Baltimore County | Central MD | Very Low |
| 35 | Edgewood | Harford | Central MD | Very Low |
| 36 | Joppatowne | Harford | Central MD | Low |
| 37 | Bel Air | Harford | Central MD | Moderate |
| 38 | Sykesville | Carroll | Central MD | Low |
| 39 | Taneytown | Carroll | Central MD | Low |
| 40 | Thurmont | Frederick | Central MD | Low |
| 41 | Brunswick | Frederick | Central MD | Low |
| 42 | Hyattsville | Prince George’s | DC Suburbs | Moderate |
| 43 | Riverdale Park | Prince George’s | DC Suburbs | Moderate |
| 44 | Suitland / District Heights | Prince George’s | DC Suburbs | Low |
| 45 | Gaithersburg (older areas) | Montgomery | DC Suburbs | Moderate |
| 46 | Rockville (older areas) | Montgomery | DC Suburbs | Moderate |
| 47 | Aspen Hill / Wheaton | Montgomery | DC Suburbs | Low |
| 48 | Burtonsville | Montgomery | DC Suburbs | Low |
| 49 | Clinton | Prince George’s | DC Suburbs | Low |
| 50 | Fort Washington | Prince George’s | DC Suburbs | Low |
Closing
Affordability in Maryland is all about trade‑offs: lower housing costs often mean longer commutes, smaller job markets, or rural settings. Yet the rewards can be significant — charming downtowns, waterfront living, and tight‑knit communities at a fraction of the price of the D.C. suburbs. Whether you’re drawn to Cumberland’s mountain scenery, Cambridge’s riverside charm, or Baltimore’s revitalizing neighborhoods, Maryland offers options for nearly every lifestyle. With careful research and a clear sense of priorities, you can find a budget‑friendly home that fits your needs while embracing the state’s unique character.