Retiring in Maryland vs. Delaware

The Mid-Atlantic region is an immensely popular spot for older adults looking to retire. Two budding hotspots for retirees are most certainly Maryland and Delaware, two neighboring states that offer a variety of benefits for retirees. Both states have mild climates, beautiful scenery, and plenty of cultural and recreational activities. However, there are also some key differences between retiring in Delaware vs. Maryland that may make one a better fit for you. Let’s look at what might make one state a better choice over the other.

1. Climate

When thinking about retirIng to Maryland or Delaware, remember that the two states have similar climates, with hot, humid summers and mild winters. However, Maryland’s climate is slightly warmer and more humid than Delaware’s.

For retirees who are sensitive to heat or humidity, Delaware is a slightly better choice. However, the inverse is also true – Delaware tends to be slightly cooler than Maryland, which might make it a less ideal choice for older adults who are sensitive to the cold. Either way, you’ll be glad to know that both states have four full seasons without true extremes in winter or summer.

2. Environment

Both Maryland and Delaware have beautiful natural environments. Maryland is home to the Chesapeake Bay, which offers stunning views and opportunities for fishing, boating, and birdwatching. Delaware is home to the Brandywine Valley, known for its rolling hills, forests, and farms.

If you’re looking for an abundance of watersport-related activities, Maryland is the better choice. However, Delaware does have an Atlantic coastline as well, though it’s less sheltered than Maryland’s. Maryland is likely a better choice for anyone who wants calmer waters and better shelter from storms.

3. Population

When thinking about retiring in Maryland vs. Delaware, population is an important consideration. Maryland has a larger population than Delaware and has more cultural and recreational opportunities. It also has more traffic and congestion. Maryland is also marginally closer to more cultural points of interest as well, with Baltimore and its inner harbor of obvious example but also close proximity to Washington DC. Philadelphia, meanwhile, is roughly equally accessible from both Maryland and Delaware.

4. Taxes

Many people deciding whether to retire in Delaware or Maryland heavily consider the tax benefits of each state. Maryland has a higher state income tax rate than Delaware. Plus, Delaware does not have a state sales tax, while Maryland does.

However, Maryland does not tax Social Security benefits and has some additional tax advantages for retirees living within the state that might make it a slightly better choice for older adults looking to maximize their retirement income. 

5. Cost of Living

The cost of living in Maryland is slightly higher than the cost of living in Delaware, but the difference can vary significantly depending on location. There are regions in Delaware that are more expensive to live in than in Maryland and vice versa.

In 2025, Maryland remains one of the more expensive states to retire in, largely due to higher utility costs and housing prices compared to the national average. For example, suburban areas close to Washington D.C. and Baltimore can be particularly pricey, driven by demand for housing and access to amenities.

Delaware might be slightly less expensive for housing, for example, but Maryland might have the edge in healthcare costs. Keep in mind one huge advantage of Delaware is no sales tax.

Choosing Between Retiring in Maryland vs. Delaware

Maryland and Delaware are both excellent options for retirees, offering unique benefits depending on your priorities. Maryland is moderately tax-friendly and provides easy access to major metropolitan areas, thanks to its proximity to cities like Washington, D.C., and Baltimore. With many senior living communities, retirees in Maryland can choose between dedicated retirement facilities or living among the general population.

Delaware, on the other hand, is more appealing for those seeking a quieter lifestyle with easier access to beaches. It is also highly tax-friendly, offering advantages for retirees concerned about minimizing retirement taxes. Delaware’s smaller size and lower population density can make it feel less congested compared to Maryland.

Both states provide a mild climate, beautiful scenery, and plenty of cultural and recreational opportunities. Whether you prioritize being close to family, tax benefits, or proximity to outdoor activities, either state can be a great choice for your retirement. Consider visiting both to determine which best suits your needs and lifestyle.

Acts Retirement Communities in Maryland and Delaware

Of course, another major factor is where within the state you decide to live. We always recommend a modern retirement community, where you can take advantage of various amenities, activities, fine dining, and more to stretch your nest egg further while living a dream retirement.

While visiting Both Maryland and Delaware to determine your preferred location, we also recommend touring some retirement communities to see which one best resonates with you.

Acts Retirement-Life Communities has several locations around both states, complete with amenities like swimming pools and fitness centers, as well as included health services such as assisted living if such a higher level of care is ever required.

Communities in Maryland

• Chestertown: 66 acres featuring great amenities and plenty of opportunities for outdoor fun.
• Adamstown: Magnificent mountain vistas and an expansive and manicured campus.
• Easton: Near some of Maryland’s best golf courses, hiking trails, and parks.
• Sykesville: Scenic 300-acre wooded property with several apartment styles.

Communities in Delaware

• Hockessin: 60 acres of lush gardens, rolling lawns, and countless amenities.
• Wilmington: 30 minutes from Philadelphia yet surrounded by habitat-rich woodlands.
• Seaford: Plenty of natural beauty surrounded by the Atlantic Ocean and Chesapeake Bay.

If you or a family member are considering retiring in Delaware vs. Maryland, contact us with any questions you have or for more information.