Carroll County, MD Average Home Price (2026)
The average home price in Carroll County, Maryland is about $461,000 (the 2026 median across 9 ZIP codes, at ~$217/sq ft) — 5% more expensive than the Maryland median and 60% more expensive than the typical U.S. home.
How Carroll County compares
Carroll County is relatively expensive for housing nationally: its typical home costs $461,000 against $441,000 for Maryland and $289,000 for the U.S. Within the county, ZIP-level values run from about $396,000 to $556,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Carroll County | $461,000 | $217 |
| Maryland | $441,000 | $233 |
| United States | $289,000 | $193 |
Carroll County home prices by ZIP code
The 9 most valuable ZIP codes in Carroll County (of 9 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 21048 Finksburg | $556,000 | $245 | +21% |
| 21784 Sykesville | $553,000 | $241 | +20% |
| 21776 New Windsor | $482,000 | $197 | +5% |
| 21158 Westminster | $467,000 | $217 | +1% |
| 21102 Manchester | $461,000 | $217 | +0% |
| 21157 Westminster | $461,000 | $213 | +0% |
| 21757 Keymar | $454,000 | $232 | -2% |
| 21074 Hampstead | $432,000 | $258 | -6% |
| 21787 Taneytown | $396,000 | $202 | -14% |
Home value appreciation in Carroll County
Home prices in Carroll County have risen about 61% over the last 10 years (≈4.8% a year) and +43.7% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +1.7% — still rising. A home worth $461,000 today was worth roughly $287,049 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 Carroll County
Run the numbers for Carroll County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Carroll County
To buy the typical $461,000 home in Carroll County with 20% down, you need a household income of roughly $125,000 a year (about $2,930 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $149,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $23,100 | $3,640/mo | $156,000/yr |
| 10% (+PMI) | $46,100 | $3,480/mo | $149,000/yr |
| 20% | $92,200 | $2,930/mo | $125,000/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 Carroll County
At about $217 per square foot, here is roughly how much home different budgets get you in Carroll County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 1150 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1380 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1840 sq ft | around the typical home here |
| $500k | 2300 sq ft | around the typical home here |
| $600k | 2760 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 Carroll County
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Carroll 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.