Allegany County, MD Average Home Price (2026)
The average home price in Allegany County, Maryland is about $183,500 (the 2026 median across 10 ZIP codes, at ~$147/sq ft) — 58% more affordable than the Maryland median and 37% more affordable than the typical U.S. home.
How Allegany County compares
Allegany County is relatively affordable for housing nationally: its typical home costs $183,500 against $441,000 for Maryland and $289,000 for the U.S. Within the county, ZIP-level values run from about $125,000 to $293,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Allegany County | $183,500 | $147 |
| Maryland | $441,000 | $233 |
| United States | $289,000 | $193 |
Cities in Allegany County
Cities with their own home-value page, largest first:
Allegany County home prices by ZIP code
The 10 most valuable ZIP codes in Allegany County (of 10 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 21543 Midlothian | $293,000 | $154 | +60% |
| 21766 Little Orleans | $229,000 | $227 | +25% |
| 21530 Flintstone | $227,000 | $141 | +24% |
| 21555 Oldtown | $203,000 | $273 | +11% |
| 21524 Cumberland | $186,000 | $274 | +1% |
| 21557 Rawlings | $181,000 | $119 | -1% |
| 21529 Cumberland | $178,000 | $152 | -3% |
| 21532 Frostburg | $178,000 | $104 | -3% |
| 21502 Cumberland | $156,000 | $116 | -15% |
| 21545 Mount Savage | $125,000 | $53 | -32% |
Home value appreciation in Allegany County
Home prices in Allegany County have risen about 60% over the last 10 years (≈4.8% a year) and +64.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.3% — still rising. A home worth $183,500 today was worth roughly $114,903 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Maryland is +59.8% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Allegany County
Run the numbers for Allegany County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Allegany County
To buy the typical $183,500 home in Allegany County with 20% down, you need a household income of roughly $50,000 a year (about $1,160 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $59,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,200 | $1,450/mo | $62,000/yr |
| 10% (+PMI) | $18,400 | $1,380/mo | $59,000/yr |
| 20% | $36,700 | $1,160/mo | $50,000/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 Allegany County
At about $147 per square foot, here is roughly how much home different budgets get you in Allegany County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1020 sq ft | around the typical home here |
| $200k | 1360 sq ft | around the typical home here |
| $250k | 1700 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2040 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2720 sq ft | above the median — larger homes or the pricier ZIPs |
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.
Estimate a specific home in Allegany County
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Allegany County home prices: frequently asked
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Browse all Maryland cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.