40.2
County Score
Soil Quality 70.4Weather & Climate 68.8Schools 54.1

County Report Card

About Somerset County, Maryland

Below the national livability median

Somerset County earns a composite score of 40.2, which is roughly 20% lower than the national median of 50.0. It ranks toward the lower half of counties nationally for comprehensive quality of life.

Trailing Maryland's average performance

The county's score of 40.2 is below the Maryland average of 47.4, indicating more significant socio-economic challenges than its neighbors. It struggles to match the state's typically high wealth and health metrics.

Affordable housing on the coast

A Cost Score of 34.5 makes this one of the more affordable areas in the region, with median rents at just $938. The School Score of 54.1 is its strongest public service metric, beating out health and safety.

Economic and infrastructure limitations

The Income Score is low at 19.7, reflecting a median household income of $52,462. Water quality also presents a challenge with a score of 33.0, suggesting room for environmental improvement.

Ideal for budget-conscious residents

Somerset is best for retirees or remote workers who prioritize low housing costs over high local income potential. It offers a slower pace of life for those who can work around its economic hurdles.

Score breakdown

Tax40Cost34.5Safety32.4Health47.1Schools54.1Income19.7Risk40.4Water33Weather68.8
🏛40
Property Tax
Effective property tax rate vs national benchmarks
TaxByCounty
🏠34.5
Cost of Living
Median rent, home values, and housing affordability
CostByCounty
💼19.7
Income & Jobs
Median household income and per capita earnings
IncomeByCounty
🛡32.4
Safety
Violent and property crime rates per 100K residents
CrimeByCounty
47.1
Health
Life expectancy, uninsured rates, and health access
HealthByCounty
🎓54.1
Schools
Graduation rates, per-pupil spending, and attainment
SchoolsByCounty
40.4
Disaster Risk
FEMA National Risk Index — flood, fire, tornado, and more
RiskByCounty
💧33
Water Quality
EPA drinking water health violations and safety grades
WaterByCounty
🌤68.8
Weather & Climate
Average temperatures, precipitation, and extreme weather events
WeatherByCounty
🪨70.4
Soil Quality
Soil composition, pH, drainage, and organic matter content
SoilByCounty
🌱51.6
Lawn Care
Lawn difficulty score based on climate, soil, and grass suitability
LawnByCounty
🛒
Farmers Markets
Local market density, SNAP/EBT acceptance, and product variety
MarketsByCounty
Sponsored

Compare mortgage rates in Somerset County

Whether buying or refinancing in Somerset County, compare rates from top lenders to find the best deal.

See Today's Rates

Deep Dives

Somerset County across the ByCounty Network

Detailed analysis from 10 data dimensions — each powered by a dedicated ByCounty site.

Property Tax in Somerset County

via TaxByCounty

Somerset's modest tax on modest homes

Somerset County's 0.976% effective rate sits just above the national median of 0.87%, but its median home value of $164,300 is far below the U.S. median of $281,900. The combination means Somerset homeowners pay some of the smallest tax bills in absolute dollars nationally.

Close to Maryland's state average

Somerset's 0.976% rate nudges just above Maryland's 0.957% state average, positioning it in the middle tier of Maryland's 24 counties. It's the state's most affordable county by median home value, keeping tax burdens manageable despite a slightly above-average effective rate.

Lower homes, lower absolute taxes

Somerset's median home value of $164,300 is notably lower than adjacent St. Mary's County ($390,900) and Worcester County ($348,100), so despite a slightly higher tax rate, the median tax bill of $1,603 is the lowest in the region by far.

The lowest tax bill in Maryland

The median Somerset homeowner pays approximately $1,603 annually in property taxes, by far the lowest median in Maryland. Over 30 years, that totals roughly $48,000—less than half what Prince George's County homeowners pay.

Even small savings add up here

With a low baseline, any successful assessment appeal could save you $200–$300 per year—meaningful money in a county where wages tend to be lower. Filing an appeal costs nothing and takes less than an hour.

Cost of Living in Somerset County

via CostByCounty

Somerset struggles with income, not rent

Somerset County's 21.5% rent-to-income ratio exceeds the national average of 20.0%, but the real challenge is the county's median household income of just $52,462—30% below the U.S. median of $74,755. This income gap creates affordability pressure despite relatively low absolute rents of $938 monthly.

Maryland's affordability challenge

Somerset's 21.5% rent-to-income ratio ranks among the highest in Maryland, surpassing the state average of 18.3% by a significant margin. The county faces a structural affordability crisis driven more by low wages than high rents.

Cheapest rents, tightest budgets

Somerset's median rent of $938 is the lowest among comparable counties—$323 less than Wicomico and $310 less than Washington County. However, with the lowest median income in the region at $52,462, residents spend a disproportionate share of earnings on housing.

The Somerset income crunch

Although Somerset renters pay just $938 monthly—the region's lowest—this consumes 21.5% of their $52,462 annual median income. Homeowners face a steeper challenge, with $977 monthly mortgage payments eating 22.3% of household income, leaving limited room for other essentials.

Relocate only if income follows

Somerset offers the region's lowest housing costs, but wages lag significantly behind state and national averages, making relocation viable only with remote work or employer transfers. If your job supports a competitive salary, Somerset provides genuine affordability; without it, the low cost of living won't offset income constraints.

Income & Jobs in Somerset County

via IncomeByCounty

Somerset struggles below national average

Somerset County's median household income of $52,462 sits 30% below the U.S. median of $74,755, placing it in the bottom quartile nationally. This Eastern Shore county faces significant income headwinds compared to typical American households.

Lowest income county in Maryland

Somerset ranks last among Maryland's 24 counties, with a median income 44% below the state average of $94,152. The gap between Somerset and wealthier Maryland counties like Queen Anne's ($113,347) exceeds $60,000.

Lagging peers on the Shore

Somerset's $52,462 median income trails nearby Wicomico County ($72,861) by $20,000 and Worcester County ($81,455) by nearly $29,000. Limited job diversity and agricultural dependence constrain earning potential across the region.

Housing costs strain budgets

Somerset's 21.5% rent-to-income ratio pushes toward the affordability danger zone, leaving limited room in household budgets for emergencies. The median home value of $164,300 is lower countywide, but still represents a significant burden for median-income families.

Maximize every opportunity to save

Somerset households should prioritize building emergency savings of 3–6 months expenses before investing aggressively. Explore employer 401(k) matches, individual retirement accounts, and side income opportunities to accelerate wealth building despite modest primary income.

Safety in Somerset County

via CrimeByCounty

Somerset Crime Rates Remain Below National Median

Somerset County reports a total crime rate of 1584.8 per 100K, staying well under the national average of 2385.5. The county maintains a strong safety score of 97.5.

Comparing Somerset to the Maryland Average

The county's safety score of 97.5 is nearly identical to the state average of 97.4. Five reporting agencies contribute to these figures, showing a stable safety environment.

Local Performance vs Southern Shore Neighbors

Somerset's crime rate of 1584.8 per 100K is lower than neighboring Wicomico County's 1940.0. This makes it a relatively safer pocket in the southern Eastern Shore region.

Detailed Look at Violent and Property Crime

Violent crime sits at 344.5 per 100K, which is slightly lower than the national average of 369.8. Property crime accounts for 1240.3 incidents per 100K residents.

Smart Security Steps for Somerset Residents

With property crimes making up the majority of incidents at 1240.3 per 100K, home monitoring is a wise investment. Motion-sensor lights and alarm systems provide reliable peace of mind.

Health in Somerset County

via HealthByCounty

Somerset Faces Significant Health Disparities

Somerset's life expectancy of 74.0 years lags the U.S. average of 76.4 years by 2.4 years, and 23.5% of residents report poor or fair health—well above the national 17.3%. These gaps signal limited access to preventive care and higher disease burden in this rural county.

Maryland's Lowest Life Expectancy County

Somerset's 74.0-year life expectancy falls 3.0 years below Maryland's 77.0-year average, placing it at the bottom of the state's health rankings. The 23.5% poor/fair health rate further underscores the county's health crisis and urgent need for targeted interventions.

Struggling Compared to Eastern Shore Peers

Somerset's 74.0-year life expectancy trails Queen Anne's (79.6 years) by 5.6 years and Talbot County (78.9 years) by nearly 5 years. Despite strong mental health provider availability at 329 per 100,000, the county's broader health outcomes lag, suggesting systemic barriers beyond provider density alone.

Low Uninsured Rate Masks Deeper Access Gaps

While Somerset's 6.1% uninsured rate matches Maryland's state average, only 37 primary care providers serve 100,000 residents—indicating geographic or logistical barriers to care. Rural isolation and economic constraints compound these structural challenges, leaving many unable to access preventive services.

Don't Go Without Coverage—Act Now

If you're part of Somerset's uninsured population, healthcare.gov makes it easy to find plans during open enrollment. Medicaid also covers many county residents; contact your local health department to learn if you qualify and to connect with primary care providers despite distance or transportation barriers.

Schools in Somerset County

via SchoolsByCounty

Education on the Eastern Shore

Somerset County maintains a small, focused network of nine public schools serving 2,773 students. The infrastructure includes five elementary schools, one middle school, and two high schools. This single-district system provides a localized educational experience tailored to its specific community needs.

Evaluating student progress and spending

The county invests $11,870 per pupil, which is notably higher than the state average of $10,395. The graduation rate of 82.0% trails the national average of 87.0%, while the composite school score of 59.8 nearly matches the state's 60.6 average. These figures suggest the county is channeling significant resources into improving student outcomes.

Somerset County Public Schools focus

Somerset County Public Schools oversees all nine institutions in the county with no charter schools currently in the mix. The district serves a total enrollment of 2,773 students, focusing on a traditional educational model. This centralized management ensures consistent curriculum and resource allocation across the entire county.

Small schools in rural and town settings

Schools here average just 347 students, offering a highly personalized atmosphere for learners. The locale is strictly split between five rural and four town settings, with no suburban or city schools. Washington Academy and High School is the largest campus, yet even it remains manageable with 597 students.

Finding your place in a close-knit community

If you value small class sizes and a community-centric atmosphere, Somerset County's town-based schools like Greenwood Elementary are excellent options. The higher-than-average per-pupil spending demonstrates a clear local commitment to the next generation. Consider how this personal touch and rural setting could benefit your family's educational journey.

Disaster Risk in Somerset County

via RiskByCounty

Somerset's risk mirrors Maryland's statewide average

Somerset County's composite risk score of 59.57 sits just below Maryland's state average of 60.22, placing it in the 'relatively low' risk category. The county's risk profile is notably shaped by extreme water hazards rather than wind or seismic threats.

Mid-range risk among Maryland counties

Somerset County ranks in the middle tier of Maryland's risk landscape, with its 59.57 score placing it safely below Prince George's County (93.16) but above several other Eastern Shore counties. Its risk is concentrated in specific hazard types rather than distributed across multiple threats.

Riskier than Talbot and St. Mary's, similar to Wicomico

Somerset County (59.57) faces greater overall risk than nearby Talbot County (42.37) and St. Mary's County (42.56), but closely mirrors Wicomico County (60.78) and Worcester County (68.19). The Somerset Peninsula's unique geography creates a distinct risk profile among Eastern Shore counties.

Floods and hurricanes drive your hazard exposure

Somerset County's flood risk reaches 93.20 and hurricane risk stands at 88.78—both extreme levels that reflect the county's low-lying coastal and peninsula geography. These water-related threats vastly outweigh tornado risk (16.86) and wildfire exposure, making water hazards your dominant concern.

Flood and hurricane insurance are essential

Somerset County's extreme flood (93.20) and hurricane (88.78) risks make separate flood insurance and comprehensive wind coverage non-negotiable protections. Evaluate your home's elevation and proximity to water, and consider mitigation investments like improved drainage or storm shutters to reduce vulnerability.

Weather & Climate in Somerset County

via WeatherByCounty

Wet Coastal Climate Profile

Somerset County receives 47.0 inches of precipitation, which is considerably higher than the national average. While specific temperature data is limited, the coastal location suggests a temperate, humid environment.

Wetter than the Maryland Average

The county's 47.0 inches of precipitation exceeds the Maryland state average of 45.7 inches. It ranks as one of the wetter areas in the state's coastal plain.

Similar Rainfall to Talbot

Somerset's rainfall closely tracks neighboring Talbot County, which sees 47.6 inches annually. Temperature data for the county is currently less documented than its inland neighbors.

Variable Coastal Weather Patterns

While specific seasonal averages are currently unavailable, the region typically experiences humid summers and damp winters. High annual precipitation suggests frequent rain throughout the year.

Manage Moisture and Rainfall

Prioritize proper home drainage and moisture control to handle the 47.0 inches of annual rain. Watch local forecasts closely as coastal conditions can change rapidly.

Soil Quality in Somerset County

via SoilByCounty

Organic-rich coastal soils define the region

Somerset County features an average pH of 5.37, which closely aligns with the Maryland state average. These soils are highly specialized for the coastal environment of the Eastern Shore.

Sandy profiles with minimal clay content

The soil is comprised of 43.0% sand and just 7.5% clay, making it light and easy to work. Silt accounts for 23.8% of the mix, providing a smooth texture that aids in seedbed preparation.

Massive organic matter reserves boost fertility

The county boasts a staggering 16.71% organic matter, nearly double the state average of 9.10%. This richness contributes to a high available water capacity of 0.203 in/in, keeping crops hydrated.

Handling the high coastal water table

Specific drainage and hydrologic classes are not provided, but the high organic content often suggests soils that are naturally wet. Managing water levels is key for local growers due to the low-lying geography of the county.

Extended growing seasons in Zone 8a

As a Zone 8a region, Somerset enjoys some of the warmest winters in Maryland. The high organic levels make this an excellent place to grow water-intensive crops like melons and squash.

Lawn Care in Somerset County

via LawnByCounty

Average Difficulty in Coastal Somerset

A lawn difficulty score of 51.6 places Somerset County right near the national and state benchmarks. As a Zone 8a region, it enjoys a milder winter than its northern neighbors, allowing for a longer green period.

Wet Climate Sustains Turf Growth

The county sees 47.0 inches of precipitation annually, providing the heavy watering that lush lawns require. While specific temperature data is limited, the coastal location generally keeps conditions humid and favorable for growth.

Sandy Shores Require pH Balancing

The soil pH of 5.37 is significantly more acidic than the ideal 6.0 range, necessitating lime treatments. With a 43.0% sand content, your lawn will drain quickly, so frequent light watering is often better than one heavy soak.

Monitoring Dry Spells on the Shore

The county spent 20 weeks in drought conditions over the last year, and 100% of the land currently faces abnormal dryness. Use mulch-mowing techniques to return moisture and nitrogen to the soil during these dry periods.

Warm-Season Grasses Thrive Here

In Zone 8a, warm-season grasses like Zoysia or Bermuda are excellent choices for lasting durability. Although frost dates are not specified, wait for consistent spring warmth before laying new sod or seeding.

Frequently Asked Questions

What is Somerset County's county score?
Somerset County, Maryland has a composite county score of 40.2 out of 100 on CountyScore. This score is calculated from a weighted average of available data dimensions including property tax, cost of living, income, safety, health, and schools.
How does Somerset County rank among counties in Maryland?
Somerset County ranks #20 among all counties in Maryland on CountyScore's composite ranking. Rankings are based on available data dimensions and updated as new data is added.
What are property taxes like in Somerset County, Maryland?
The median annual property tax in Somerset County is $1,603, with an effective tax rate of 0.98%. This earns Somerset County a tax score of 40/100 on CountyScore (higher = lower taxes).
What is the median household income in Somerset County?
The median household income in Somerset County, Maryland is $52,462 per year according to U.S. Census Bureau data. Somerset County earns an income score of 19.7/100 on CountyScore.
Is Somerset County, Maryland a good place to live?
Somerset County scores 40.2/100 on CountyScore's overall county ranking, ranking #20 in Maryland. The best way to evaluate Somerset County is to compare individual dimension scores — property tax, cost of living, income, safety, health, and schools — based on your personal priorities. Use CountyScore to compare Somerset County with other counties side by side.