White Oak, MD

Very High · 140

Maryland · Population 16,458 · Updated March 2026

$1,784
Median Rent / Month
$80,118
Median Income
$520,200
Median Home Value
$1,796
Owner Costs / Month

Affordability

How far your income goes in White Oak

26.7%
Rent-to-Income Ratio
Moderate
Rent takes 25-35% of median income — moderate affordability.

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

$21,408
Annual Rent
$4,607
State Income Tax
$5,566
Property Tax (est.)

Cost of Living Overview

White Oak has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 140 (where 100 equals the national median), White Oak residents can expect to pay median rent of $1,784/month while earning a median household income of $80,118/year.

The median home value in White Oak, MD is $520,200, with typical monthly owner costs around $1,796 including mortgage, insurance, and taxes. With a rent-to-income ratio of 26.7%, White Oak falls within the generally affordable range, though it's approaching the 30% burden threshold.

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 White Oak.

Frequently Asked Questions

Common questions about living costs in White Oak

What is the cost of living in White Oak, MD?
The cost of living index in White Oak, MD is 140 (US average = 100). Median monthly rent is $1,784, median household income is $80,118/year, and the median home value is $520,200.
Is White Oak, MD affordable?
No, White Oak is more expensive than the national average with a cost index of 140. The rent-to-income ratio is 26.7%—below the 30%% threshold considered affordable by HUD.
What is the average rent in White Oak, MD?
The median gross rent in White Oak, MD is $1,784 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $21,408.
What is the median household income in White Oak?
The median household income in White Oak, MD is $80,118 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%.