← Map/← Maryland/Counties/Somerset

Somerset
Maryland

25K

Population

$52K

Median Income

$205K

Median Home

R+26

Politics

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What stands out

Three things set Somerset County apart from the other 3,142 counties: the restaurant count per person is in the bottom 3% of American counties (0.3 per 1,000), the overdose death rate is in the top 4% of American counties (44 per 100,000), and home internet speed is in the top 5% of American counties (298 Mbps). Within Maryland it ranks 2nd of 24 counties for the restaurant count per person, counting from the bottom.

Where you are

You live in Somerset County, Maryland. 24,672 people live here with you. The population grew 1.2% last year, and more Americans moved in than out (net +340).

Maryland is the only state that levies both an estate tax and an inheritance tax, and its counties add their own income taxes of up to 3.2% on top of the state rate. Household income is the highest in the country, concentrated in the Washington suburbs of Montgomery and Howard counties. Social Security is not taxed and there is a pension exclusion for residents 65 and over.

Money

The typical household here brings in $52,149 a year, lower than 74% of American counties. Employers pay an average wage of $58,162. Unemployment runs 4.8%, higher than 86% of American counties. 7% of workers work from home.

Maryland takes 4.6% of that median income in state income tax, about $2,425 a year.

Home

The median home costs $210K, cheaper than 59% of American counties, about 2.4 years of the median household's income. A two-bedroom rents for around $911 a month. Property tax is 1.05% of home value, roughly $1,648 a year on that median home, higher than 64% of American counties. 68% of households own rather than rent.

Safety and health

Violent crime here is 4.1 per 1,000 residents, higher than 62% of American counties. Drug overdoses killed 44 people per 100,000 in 2024, one of the harder-hit counties in the country.

A child born here can expect to live 74.7 years, shorter than 63% of American counties. There are 18 active physicians in the county, about 7.3 per 10,000 people. 7.5% of people under 65 have no health insurance.

School

85% of adults finished high school.

Neighbors and politics

In 2024 your neighbors voted Republican by 26 points. 49% of eligible voters turned out. Under Maryland law you need local approval to carry a concealed handgun, abortion is protected by state law, and marijuana is legal for adults.

Weather and risk

The year averages 58°F, highs near 67 and lows near 48, warmer than 60% of American counties. About 42 inches of rain and snow fall a year. FEMA puts natural-hazard risk at 77 out of 100, riskier than 77% of American counties; the county has had 14 federal disaster declarations since 1953.

Getting around, going out

Home internet averages 298 Mbps down, faster than 95% of American counties. There are 2 airports in the county, counting general aviation. For a night or a weekend out: 0.3 full-service restaurants per 1,000 people.

Written from the figures below. Percentiles compare this county with every other county that reports the same figure; missing figures are left out rather than guessed.

Economy

Median Household Income$52K
This county
national avg ~$75K
Poverty Rate22.2%
This county
national avg ~11.5%
Unemployment Rate4.8%
This county
national avg ~3.8%
GDP per Capita$42,481
Federal Spending per Capita$2,328
Median Individual Earnings$34K
This county
national avg $45K
Professional/Management Workers29.8%
Average Adjusted Gross Income$52K
Avg Credit Score650
Work From Home %6.8%
This county
national avg 17.0%
Population Under 1816.7%
This county
national avg 22.0%
Single-Person Households30.8%
This county
national avg 28.0%
Banks & Finance Firms6
Income (20th Percentile)$19K
Income (80th Percentile)$103K
Income (95th Percentile)$174K
Bachelor's Degree or Higher16.8%
This county
national avg 34.3%
Less Than High School15.3%
This county
national avg 11.0%
Knowledge Economy GDP %1.0%
Dependency Ratio0.51
Medicare Spending / Person$2,895
SS Benefits / Person$3,869
Education Wage Premium1.83x
Median Earnings (Bachelor's)$42K
Median Earnings (Graduate)$59K
Median Earnings (HS Diploma)$33K
Public Assistance Recipients5.2%
Average Annual Wage$58K
Professional Services Concentration0.30x national
This county
1.0 = national average share
Federal Government Jobs Located Here44
Federal Share of Jobs Located Here0.6%
Residents Who Work for the Federal Government3.9%
Federal Civilian Share of Earnings0.8%
Federal Contract Dollars Performed Here (FY2025)$3M
Contract Dollars Relative to Local Wages0.01x wages
Largest Award's Share of Contract Dollars33%
Oil and Gas Share of Earnings (incl. proprietors)0.0%

Housing

Sources: Zillow ZHVI · Census ACS 2022 · Tax Foundation 2023 (effective rates)

Median Home Value$205K
This county
$420K state avg
$303K national
Market Rent (ZORI)$934/mo
This county
$1950/mo state avg
$1400/mo national
Property Tax Rate1.05%
This county
0.97% state avg
1.10% national

Annual tax on median home: $1,648

Affordability & Supply

HUD Fair Market Rent (2BR)$1,167/mo
Home Price Change (1 yr)+7.7%++4.2% since 2024
Home Value to Income Ratio2.4x income
Severely Cost-Burdened Households17.4%
Homeownership Rate67.5%
This county
national avg ~65%

Market Activity

Sources: Zillow Research monthly · Redfin

Listings with Price Cuts— Low — market moving fast
16.5%
Active Listings
112
New Listings / Month
25

Source: Zillow Research · Updated monthly

Health

Life Expectancy74.7 yrs
This county
national avg ~78.5 years
Food Insecurity13.8%
This county
national avg ~11%
Food Environment Index7.4 / 10
This county
higher = better access
Primary Care Shortage Score20
This county
national avg 5
Mental Health Shortage Score18
Dental Care Shortage Score16
Healthcare Shortage Score18.0
Healthcare Offices18
Obesity Rate (BRFSS)39.8%
This county
national avg 32.0%
Smoking Rate (BRFSS)18.2%
This county
national avg 14.0%
Poor Health Rate (BRFSS)23.5%
This county
national avg 18.0%
Physical Inactivity (BRFSS)31.2%
This county
national avg 24.0%
High Blood Pressure (BRFSS)41.6%
This county
national avg 32.0%
Active Physicians18
Nursing Home Rating3.0 / 5
This county
national avg ~3 stars
ER Visits per 1,000 Medicare Patients696 / 1,000
Medicare Cost per Beneficiary$12,008
Uninsured (under 65)7.5%
This county
national avg ~10%
Adults with Depression21.1%

Education

HS Diploma Holders5,178
Bachelor's Degree Holders1,965
HS Completion Rate84.7%
This county
national avg ~85%
Private Schools3

Safety

Violent Crime Rate4.1 / 1,000
This county
national avg ~4.0
Firearm Fatality Rate9.4 / 100K
This county
national avg ~13.6/100K
Drug Overdose Rate48.9 / 100K
This county
national avg ~21/100K
Traffic Fatalities4
Social Vulnerability (CDC SVI)88th pct
Drug Overdose Deaths (2024)44.2 / 100K
Suicide Rate11.7 / 100K
This county
national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale0.0
January Sunshine0.20
January Temperature0.43
Average Temp58°F-1.5% since 2022
Avg High Temp67°F-2.2% since 2022
Avg Low Temp48°F-0.8% since 2022
Median AQIAQI 47
Good Air Days215 days/yr
Unhealthy Air Days6 days/yr
Annual Precipitation41.7 in/yr+1.5% since 2022
Avg Storm Events7.4 storms/yr
Avg Annual Storm Damage$56K
Drought Index (2022)-0.69
Heating Degree Days3,996 HDD/yr
This county
national avg ~4,500 HDD/yr
Cooling Degree Days1,398 CDD/yr
This county
national avg ~1,200 CDD/yr
Heating Degree Days (1901–2000 Baseline)4,341 HDD/yr
Cooling Degree Days (1901–2000 Baseline)1,132 CDD/yr
Avg Tornadoes / Year0.2
Avg Flood Events / Year0.8
Avg Hail Events / Year0.2
Avg Hurricane Events / Year0.00
Avg Wildfire Events / Year0.0
Avg Winter Storms / Year0.0
Avg Heat Events / Year0.0
Natural Hazard Risk (FEMA)77 / 100
Community Resilience (FEMA)82 / 100
Federal Disaster Declarations14 since 1953
Fine Particulate Pollution (PM2.5)6.3 µg/m³
This county
EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)73 properties
FAA-Registered Airports3 total
Airports (excl. heliports)2 airports

Internet & Remote Work

Download Speed298 Mbps
This county
national avg ~120 Mbps
Upload Speed53 Mbps
Fixed Internet (Q1 2026)392 Mbps
Mobile Internet (Q1 2026)147 Mbps
Mobile Upload (Q1 2026)50 Mbps
Mobile Latency (Q1 2026)25 ms
Households with 100Mbps+62.8%
This county
national avg 75.0%
Cellular-Only Internet19.7%
This county
national avg 8.0%
Fixed Upload Speed (Q1 2026)71 Mbps

EV Infrastructure

EV Charging Stations4 stations
DC Fast Chargers0 chargers
Level 2 EV Chargers10

Commute & Transit

Remote Workers638 workers
Public Transit Commuters35 workers
Walk to Work (workers)348 workers
Extreme Commutes (90+ min)159 workers
Bike Commuters1.7%
Walk to Work3.7%

Families & Childcare

Childcare Cost Burden30.2%
This county
national median ~27% of household income
Childcare Centers8.0 per 10K residents
Childcare Facilities3

Civic & Community

Voter Turnout48.6%
This county
national avg ~55%
Volunteering Rate1.0%
Income Inequality (Gini)5.337
Nonprofit Organizations111
Veterans Share7.6%
This county
national avg 7.0%
Married Adults39.0%
Never-Married Adults42.7%
Divorced Adults11.8%
Religious Organizations26
Asian Population0.8%
Native American Population0.2%
Membership Associations11.4 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.28 per 1K residents
Colleges & Universities1
Nursing & Care Facilities18
Grocery Stores7
Hotels & Lodging9
Professional Services Firms23
Veterinary Practices4
Real Estate Firms11
Debt Burden
Avg Mortgage Balance$60K
Avg Student Loan Balance$11K
Avg Credit Card Balance$4K
Loan Delinquency Rate54.1%
This county
national avg 4.0%

Innovation

Inventor Rate0.13%

Politics

R+26

2024 Presidential · Maryland was D+24 statewide

vs Maryland State

Income tax
5.75%Same (state law)
Property tax
1.05%0.97% state avg
Politics
R+26D+24
COL Index
116state index (no county figure)

Population & Migration

Net Domestic Migration 2023

↑ +340

More people arriving than leaving

IRS Wealth Migration

Income-neutral migration pattern (IRS: 0.95x avg income)

Economic Mobility

38%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Somerset County

Median home value: $210K

View on Zillow →View on Realtor.com →

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Full Maryland profile

Taxes, cost of living, crime, schools, gun laws and more.

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Data: Census ACS, BLS, Zillow, USDA Natural Amenities, OpenElections 2024, CMS, NCES. Vintage 2022–2025. News via Google News.

Your Priorities

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Quick Profiles

Dial in your priorities

Annual Income

$150K

Affects effective income tax rate

$0$500K$5M+

Retirement Savings

$0

Affects pension and SS tax burden

None$500K$10M+

Social Security

None

Annual Social Security benefit

None$150K/yr

My Property Is Worth

$400K

Affects property tax burden

Tax burden ↓$1M$50M+

Home Buying Budget

$400K

Compared to state median home price

Hard to find$250K$5M+

Monthly Rent Budget

Don't care

Compared to state median 2BR rent

Don't care$10K/mo

Job Market

Don't care

State unemployment and job growth

Don't careHot market

Airport Access

Don't care

Direct flight destinations from state hubs

Don't careMust have hub

City vs Country

Mid-size city

% urban population

Deep countryBig city

Sunshine

Don't care

Annual sunny days per state

Don't careMax sunshine

Food Scene

Don't care

Restaurants per 100K residents

Don't careWorld-class

Political Preference

Neutral

State's political lean

LiberalConservative

Gun Laws

Neutral

State gun law grade (Giffords)

Gun Control2A Freedom

Abortion Access

Neutral

State abortion access policy

Pro-ChoiceNeutralPro-Life

Community

None

Congregations per 100K residents

AvoidDon't careSeek

Sports & Entertainment

Don't care

Pro sports teams and major venues

Don't careMust have pro teams

Cannabis Laws

Neutral

State cannabis legality

Prefer LegalNeutralPrefer Prohibition

Retiree Community

Neutral

% population 65+ (Census)

Young areaRetirement-heavy

Dating Market

Neutral

% adults never-married (Census)

Singles sceneFamily community

Safety / Low Crime

Don't care

Violent crime rate per 100K (FBI)

Don't careVery safe

School Quality

Don't care

K-12 rank (Education Week)

Don't careTop-ranked

Healthcare Access

Don't care

Healthcare system rank (Commonwealth Fund)

Don't careTop-ranked

Childcare Affordability

Don't care

Cost of living proxy for childcare affordability

Don't careMust be affordable