Westphalia, MD

Very High · 156

Maryland · Population 12,020 · Updated March 2026

$1,947
Median Rent / Month
$158,055
Median Income
$478,200
Median Home Value
$2,712
Owner Costs / Month

Affordability

How far your income goes in Westphalia

14.8%
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

$23,364
Annual Rent
$9,088
State Income Tax
$5,117
Property Tax (est.)

Cost of Living Overview

Westphalia has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 156 (where 100 equals the national median), Westphalia residents can expect to pay median rent of $1,947/month while earning a median household income of $158,055/year.

The median home value in Westphalia, MD is $478,200, with typical monthly owner costs around $2,712 including mortgage, insurance, and taxes. The median rent-to-income ratio of 14.8% 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 Westphalia.

Frequently Asked Questions

Common questions about living costs in Westphalia

What is the cost of living in Westphalia, MD?
The cost of living index in Westphalia, MD is 156 (US average = 100). Median monthly rent is $1,947, median household income is $158,055/year, and the median home value is $478,200.
Is Westphalia, MD affordable?
No, Westphalia is more expensive than the national average with a cost index of 156. The rent-to-income ratio is 14.8%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Westphalia, MD?
The median gross rent in Westphalia, MD is $1,947 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $23,364.
What is the median household income in Westphalia?
The median household income in Westphalia, MD is $158,055 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%.