Photo by Sara Cottle on Unsplash (https://unsplash.com/@saralea)
Cambridge, Maryland Retirement Guide
established retirement community
65
Retirement Score
Cambridge, Maryland at a Glance
- Median Home Price
- $223,200
- State Income Tax
- State income tax; Social Security exempt; pension exclusion available for qualifying retirees.
- Avg January Low
- 33.3°F
- Cost of Living Index
- 104.9 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 65 / 100
Retirement Data
Affordability
Cost of Living Index
104.9 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$223,200High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$956High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
45 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security exempt; pension exclusion available for qualifying retirees.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
90.1 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
42.5 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
90.1 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
86.9°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
33.3°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
46.7"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
289 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
86.2 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
17.8 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
0 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
13,058High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
37.3High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
20.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$44,114High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
44.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
9.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
20.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
22.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
38.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
44.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
7.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
2.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Cambridge using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$484
Stress-case monthly carrying cost
$543
Median home price used: $223,200
Median rent reference: $956 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.