Royal Oak cost of living score 105.9 More expensive 5.9% higher than the US average 5.3% lower than the Maryland average Royal Oak (zip 21662), Maryland gets a BestPlaces Cost of Living score of 105.9, which means the total cost of housing, food, childcare, transportation, healthcare, taxes, and other necessities is 5.9% higher than the U.S. average and 5.3% higher than the average for Maryland.