These Are The Most Affordable MD Towns To Retire In 2025

Retirement in Maryland can be relaxing and adventure-filled, while also being cost-effective, according to travel outlet WorldAtlas.

Hailing themselves as "The Original Online Geography Resource," the digital publication recently released its picks for the 10 most affordable towns to retire in Maryland for 2025.

"Maryland is known for its scenic waterfronts and proximity to major cities. It's a desirable place to live, but also surprisingly affordable for retirees of limited means," WorldAtlas wrote. "From tiny towns tucked in the mountains to waterfront communities along the Chesapeake Bay, the state provides a range of cost-effective options that don't compromise on quality of life."

These are the 10 most affordable Maryland towns to settle down in after retirement:

Boonsboro

WorldAtlas writes: "Retirees looking to retire in a quiet mountain retreat might want to consider Boonsboro. Retirees may want to check out the happenings at Southeastern Congregate Site-Senior Center in the Eugene C. Smith Community Center in Boonsboro for social activities. The closest medical center to Boonsboro is the Meritus Medical Center in Hagerstown, 10 miles away."

This town of 3,800 in Washington County sits at the foot of South Mountain, a beautiful backdrop for retirement. Home prices here average $404,000, well under the state average.

Cambridge

WorldAtlas writes: "Cambridge, along the Choptank River in Dorchester County, is popular with retirees who want to live in a waterfront town with a lively arts scene. Cambridge is also home to the Harriet Tubman Museum & Educational Center, which showcases the life of one of the most famous American women, who was born nearby."

This town is home to 13,000 people, and median home prices are an affordable $264,000.

Charlestown

WorldAtlas writes: "The town of Charlestown, sitting along the North East River in Cecil County, is the epitome of small-town life and appealing to many retirees who long for a slower pace of life near the water."

About 1,500 people live in Charlestown, where homes average $338,000.

Crisfield

WorldAtlas writes: "Crisfield, in southern Maryland's Somerset County, may be home to just 2,400 people, but its unique natural beauty, sitting along the Tangier Sound, make it stand out from other small towns in the area. J. Millard Tawes Historical Museum tells the story of this crab capital of the world. Somers Cove Marina, the largest state-owned marina in Maryland, is a great place to watch boats come and go from the harbor."

Median home prices of $166,000 mean that Crisfield is one of Maryland's most affordable towns for retirees.

Cumberland

WorldAtlas writes: "The valley town of Cumberland is not only the seat of Allegany County, but also sits in an Appalachian Mountains valley near the North Branch of the Potomac River. Ferleman Gallery and Gallery Stage is just one of many places in Cumberland where you can experience both fine arts and live performances. The Embassy Theatre also showcases live theater, and retirees sometimes work on productions."

The town of about 19,000 residents features extremely affordable housing, averaging $149,000.

Elkton

WorldAtlas writes: "Sitting at the head of the Elk River, Elkton is Cecil County’s seat and home to about 15,800 people. Nature lovers will appreciate Fair Hill Nature Center, which spans 5,600 acres of protected land filled with trails and outdoor programs focused on environmental education."

Philadelphia and Baltimore are each just over 50 miles away, perfect for day trips and cultural outings. With median home prices of $366,000, Elkton gives you a lot for your money.

Hancock

WorldAtlas writes: "Hancock is a central location just one mile from the West Virginia border, across the Potomac River, and one mile from Pennsylvania. The Western Maryland Rail Trail, a paved trail that passes through Hancock along its 28-mile path, is perfect for hikers and bikers. The Historic Bowles House and Visitor Center in Hancock, built in the 1780s, shares the history of the town and the area."

Home to about 1,550 people, Hancock offers retirees a strong sense of community with a quiet lifestyle. Homes here average just $255,392.

Hyattsville

WorldAtlas writes: "It is easy to see why Hyattsville's motto is 'the world is within walking distance,' and to understand why this is a draw for many retirees to move here. For a walking tour of Historic Downtown Hyattsville, check out the Anacostia Trails Heritage Area. The Pyramid Atlantic Arts Center has private studios for artists as well as exhibitions of local and regional artists' work."

Home to 21,000 people, Hyattsville is just seven miles from the nation's capital. Homes here are under the state average at $410,000.

Oakland

WorldAtlas writes: "The county seat of Garrett County, Oakland is in far western Maryland. With only 1,850 people, it has a laid-back, easygoing atmosphere that appeals to many retirees. One of the chief appeals is the natural environment in the area. Oakland sits at an elevation of 2,500 feet in the Appalachian Mountains. The best place to appreciate the local ecosystem is at Swallow Falls State Park, just nine miles north of Oakland, filled with a series of waterfalls and hiking trails."

Bargain median home values of $280,000 are all it takes to get many seniors looking to move to Oakland.

Salisbury

WorldAtlas writes: "The county seat of Wicomico County, Salisbury houses about 33,000 residents and is only 45 minutes from Ocean City. Salisbury Art Space is just one of many art galleries found in the town of Salisbury. The Glenda Chatham Clarke Arboretum at Salisbury University spans roughly 200 acres across campus and is home to thousands of mapped trees and curated plantings, making it a standout destination for nature lovers."

Retirees looking to live near the beach may wish to consider Salisbury, with its median home prices a comfortable $263,000.