Calvert County, MD Average Home Price (2026)
The average home price in Calvert County, Maryland is about $485,000 (the 2026 median across 12 ZIP codes, at ~$232/sq ft) — 10% more expensive than the Maryland median and 68% more expensive than the typical U.S. home.
How Calvert County compares
Calvert County is relatively expensive for housing nationally: its typical home costs $485,000 against $441,000 for Maryland and $289,000 for the U.S. Within the county, ZIP-level values run from about $376,000 to $628,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Calvert County | $485,000 | $232 |
| Maryland | $441,000 | $233 |
| United States | $289,000 | $193 |
Calvert County home prices by ZIP code
The 12 most valuable ZIP codes in Calvert County (of 12 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 20754 Dunkirk | $628,000 | $217 | +29% |
| 20639 Huntingtown | $617,000 | $219 | +27% |
| 20736 Owings | $613,000 | $230 | +26% |
| 20689 Sunderland | $579,000 | $192 | +19% |
| 20676 Port Republic | $504,000 | $309 | +4% |
| 20615 Saint Leonard | $496,000 | $254 | +2% |
| 20678 Prince Frederick | $474,000 | $206 | -2% |
| 20732 Chesapeake Beach | $456,000 | $233 | -6% |
| 20685 Saint Leonard | $455,000 | $246 | -6% |
| 20688 Solomons | $455,000 | $262 | -6% |
| 20629 Dowell | $448,000 | $236 | -8% |
| 20657 Lusby | $376,000 | $227 | -22% |
Home value appreciation in Calvert County
Home prices in Calvert County have risen about 56% over the last 10 years (≈4.5% a year) and +35.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +4.0% — still rising. A home worth $485,000 today was worth roughly $311,097 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 Calvert County
Run the numbers for Calvert County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Calvert County
To buy the typical $485,000 home in Calvert County with 20% down, you need a household income of roughly $132,000 a year (about $3,080 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $157,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $24,300 | $3,830/mo | $164,000/yr |
| 10% (+PMI) | $48,500 | $3,660/mo | $157,000/yr |
| 20% | $97,000 | $3,080/mo | $132,000/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 Calvert County
At about $232 per square foot, here is roughly how much home different budgets get you in Calvert County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 1080 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 | 2160 sq ft | around the typical home here |
| $600k | 2590 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.
Estimate a specific home in Calvert County
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Calvert 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.