Cost of Living in St. Mary's County, MD

How far does a $70,000 salary go in St. Mary's County? Estimated income taxes on that gross salary total approximately $10,392 per year — combining federal taxes with Maryland's state income tax. Subtract rent for a 2-bedroom apartment ($1,833/month based on HUD Fair Market Rents for the St. Mary's County metro area) and the estimated annual take-home is $37,612, or roughly $3,134 per month for everything else: food, transportation, savings, and discretionary spending.

At a $70,000 salary, the estimated 2-bedroom rent in St. Mary's County represents approximately 31% of gross income. That exceeds the conventional 30% guideline, meaning housing takes a significant share of the budget at this income level.