Is it cheaper to live in Frederick or Henderson?

Henderson, NV is cheaper. Its monthly baseline of $1,580 (1BR rent + utilities) runs about 4% below Frederick, MD's $1,640, mainly because of electricity costs.

How much more do you need to earn to live in Frederick than in Henderson?

To keep rent near the recommended 30% of gross income, you'd want to earn roughly $57,000 a year in Frederick versus $57,000 in Henderson.

Which has lower taxes, Frederick or Henderson?

Frederick is taxed under Maryland's rules (a top state income tax rate of 6.50% and a 6% state sales tax); Henderson under Nevada's (no state income tax and a 6.85% state sales tax).

Frederick vs Henderson Cost of Living 2026

Frederick

Maryland

$1,640/mo est.

Henderson

Nevada

$1,580/mo est.

Monthly estimate = 1BR rent + electricity + gas

A one-person monthly baseline (1BR rent plus typical utilities) runs $1,640 in Frederick, MD versus $1,580 in Henderson, NV. Overall, Henderson, NV is roughly 4% cheaper to live in day-to-day than Frederick, MD, driven mainly by electricity costs.

Median household income is $95,150 in Frederick, MD and $88,654 in Henderson, NV — about 7% higher in Frederick, MD. Maryland has a top state income tax rate of 6.50% and a 6% state sales tax; Nevada has no state income tax and a 6.85% state sales tax.

Frederick, MD

Henderson, NV

Rent

Studio

$1,658

$1,442

+13% in Frederick, MD

1 Bedroom

$1,418

$1,437

+1% in Henderson, NV

2 Bedroom

$1,661

$1,694

+2% in Henderson, NV

3 Bedroom

$1,863

$1,982

+6% in Henderson, NV

Buying a Home

Median Home Value

$365,200

$465,000

+27% in Henderson, NV

Income

Median Household Income

$95,150

$88,654

+7% in Frederick, MD

Metro Median Wage (annual)

$71,060

$46,670

+34% in Frederick, MD

People & Lifestyle

Median Age

37.1 yr

42.5 yr

+5.4 yr in Henderson, NV

Homeownership

59.2%

65.6%

+6.4 pp in Henderson, NV

Bachelor's+ (25+)

41.8%

36.8%

+5.0 pp in Frederick, MD

Avg Commute

30.1 min

24.7 min

+5.4 min in Frederick, MD

Crime (per 100k/yr)

Violent Crime

406

271.8

+33% in Frederick, MD

Property Crime

1,696.3

1,725.7

+2% in Henderson, NV

FBI Crime Data Explorer. Offenses per 100,000 residents per year; agency reporting practices vary, so this is approximate.

Climate

Avg Annual Temperature

52.1°F

69.4°F

+17.3°F in Henderson, NV

Annual Precipitation

—

4.2 in

Gas

Regular Gasoline

$3.86/gal

$5.09/gal

+32% in Henderson, NV

Area: East Coast (PADD 1) vs West Coast (PADD 5).

Utilities

Electricity (¢/kWh)

21.8

13.6

+38% in Frederick, MD

Natural Gas ($/MCF)

$18.94

$12.09

+36% in Frederick, MD

Residential, state-level averages (EIA). MCF = 1,000 cubic feet.

Groceries

Milk (gal)

$4.00

$4.82

+20% in Henderson, NV

Bread (lb)

$1.75

$2.04

+17% in Henderson, NV

Eggs (doz)

$2.21

$2.19

+1% in Frederick, MD

Ground Beef (lb)

$6.45

$7.36

+14% in Henderson, NV

Chicken (lb)

$1.90

$2.01

+6% in Henderson, NV

Bananas (lb)

$0.62

$0.70

+14% in Henderson, NV

Average prices — South vs West (BLS). Regional where available, otherwise U.S. average.

State Taxes

Sales Tax (MD / NV)

6.85%

+0.8 pp in NV

Income Tax (top rate)

6.50%

None

+6.5 pp in MD

Frederick vs Henderson — FAQ

Is it cheaper to live in Frederick or Henderson?: Henderson, NV is cheaper. Its monthly baseline of $1,580 (1BR rent + utilities) runs about 4% below Frederick, MD's $1,640, mainly because of electricity costs.
How much more do you need to earn to live in Frederick than in Henderson?: To keep rent near the recommended 30% of gross income, you'd want to earn roughly $57,000 a year in Frederick versus $57,000 in Henderson.
Which has lower taxes, Frederick or Henderson?: Frederick is taxed under Maryland's rules (a top state income tax rate of 6.50% and a 6% state sales tax); Henderson under Nevada's (no state income tax and a 6.85% state sales tax).

Sources: US Census Bureau, ACS 5-Year (rent, income, home value, demographics); NOAA Climate Normals 1981–2010 (climate); EIA weekly retail (gas); Tax Foundation 2026 (state taxes).