Kemp Mill, MD

Very High · 161

Maryland · Population 14,437 · Updated March 2026

$2,105
Median Rent / Month
$160,750
Median Income
$567,300
Median Home Value
$2,184
Owner Costs / Month

Affordability

How far your income goes in Kemp Mill

15.7%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in Maryland

State-level tax rates that affect your costs

5.75%
Income Tax (Top Rate)
6.0%
Sales Tax
1.07%
Property Tax Rate

Estimated Annual Costs

$25,260
Annual Rent
$9,243
State Income Tax
$6,070
Property Tax (est.)

Cost of Living Overview

Kemp Mill has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 161 (where 100 equals the national median), Kemp Mill residents can expect to pay median rent of $2,105/month while earning a median household income of $160,750/year.

The median home value in Kemp Mill, MD is $567,300, with typical monthly owner costs around $2,184 including mortgage, insurance, and taxes. The median rent-to-income ratio of 15.7% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

Maryland has a moderate income tax rate of 5.75%. Combined with a 6.0% sales tax rate and 1.07% effective property tax rate, the overall tax environment is a factor in the total cost of living in Kemp Mill.

Frequently Asked Questions

Common questions about living costs in Kemp Mill

What is the cost of living in Kemp Mill, MD?
The cost of living index in Kemp Mill, MD is 161 (US average = 100). Median monthly rent is $2,105, median household income is $160,750/year, and the median home value is $567,300.
Is Kemp Mill, MD affordable?
No, Kemp Mill is more expensive than the national average with a cost index of 161. The rent-to-income ratio is 15.7%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Kemp Mill, MD?
The median gross rent in Kemp Mill, MD is $2,105 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $25,260.
What is the median household income in Kemp Mill?
The median household income in Kemp Mill, MD is $160,750 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Maryland?
Maryland has a top income tax rate of 5.75%, a sales tax of 6.0%, and an effective property tax rate of 1.07%.