Maryland Average Home Price by City (2026)
The average home price in Maryland (MD) is about $441,000 — the 2026 median, at ~$233/sq ft — 53% more expensive than the typical U.S. home.
Shaded by price · click a city to explore. Colour = median home value.
Considering a move to Maryland?
Housing in Maryland is 53% more expensive than the national average, with a typical home around $441,000 and a local rate near $233 per square foot. Among the 13 Maryland cities we track, Bethesda is the most expensive (median $1,278,000) and Cumberland is the most affordable (median $178,000) — so where you land in the state matters as much as the state itself.
Browse Maryland cities
Maryland home prices by county
23 Maryland counties with enough data for their own page, priciest first:
See the cheapest (and most expensive) places to live in Maryland.
Don’t see your city? Use the free Home Value Estimator for any U.S. ZIP, see the most expensive ZIP codes in America, or browse the full U.S. directory.
Home value appreciation in Maryland
Home prices in Maryland have risen about 60% over the last 10 years (≈4.8% a year) and +45.8% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +2.7% — still rising. A home worth $441,000 today was worth roughly $275,970 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — nationally the median state is +85.6% over 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Maryland
Run the numbers for Maryland with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Maryland
To buy the typical $441,000 home in Maryland with 20% down, you need a household income of roughly $120,000 a year (about $2,800 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $143,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $22,100 | $3,480/mo | $149,000/yr |
| 10% (+PMI) | $44,100 | $3,330/mo | $143,000/yr |
| 20% | $88,200 | $2,800/mo | $120,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Maryland
At about $233 per square foot, here is roughly how much home different budgets get you in Maryland:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 860 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1070 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1290 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1720 sq ft | around the typical home here |
| $500k | 2150 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Maryland so you can compare your current home against every Maryland city we track.