Caroline County, MD Average Home Price (2026)
The average home price in Caroline County, Maryland is about $334,000 (the 2026 median across 8 ZIP codes, at ~$199/sq ft) — 24% more affordable than the Maryland median and 16% more expensive than the typical U.S. home.
How Caroline County compares
Caroline County is about average for housing nationally: its typical home costs $334,000 against $441,000 for Maryland and $289,000 for the U.S. Within the county, ZIP-level values run from about $242,000 to $396,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Caroline County | $334,000 | $199 |
| Maryland | $441,000 | $233 |
| United States | $289,000 | $193 |
Caroline County home prices by ZIP code
The 8 most valuable ZIP codes in Caroline County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 21640 Henderson | $396,000 | $255 | +19% |
| 21660 Ridgely | $365,000 | $194 | +9% |
| 21629 Denton | $358,000 | $203 | +7% |
| 21636 Goldsboro | $334,000 | $410 | +0% |
| 21655 Preston | $334,000 | $176 | +0% |
| 21641 Hillsboro | $314,000 | $165 | -6% |
| 21639 Greensboro | $310,000 | $213 | -7% |
| 21632 Federalsburg | $242,000 | $167 | -28% |
Home value appreciation in Caroline County
Home prices in Caroline County have risen about 82% over the last 10 years (≈6.2% a year) and +43.0% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.9% — still rising. A home worth $334,000 today was worth roughly $183,114 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 Caroline County
Run the numbers for Caroline County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Caroline County
To buy the typical $334,000 home in Caroline County with 20% down, you need a household income of roughly $91,000 a year (about $2,120 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $108,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $16,700 | $2,640/mo | $113,000/yr |
| 10% (+PMI) | $33,400 | $2,520/mo | $108,000/yr |
| 20% | $66,800 | $2,120/mo | $91,000/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 Caroline County
At about $199 per square foot, here is roughly how much home different budgets get you in Caroline County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 1010 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1260 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1510 sq ft | around the typical home here |
| $400k | 2010 sq ft | around the typical home here |
| $500k | 2510 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 Caroline County
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Caroline 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.