Cecil County, MD Average Home Price (2026)
The average home price in Cecil County, Maryland is about $392,000 (the 2026 median across 13 ZIP codes, at ~$220/sq ft) — 11% more affordable than the Maryland median and 36% more expensive than the typical U.S. home.
How Cecil County compares
Cecil County is relatively expensive for housing nationally: its typical home costs $392,000 against $441,000 for Maryland and $289,000 for the U.S. Within the county, ZIP-level values run from about $276,000 to $579,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Cecil County | $392,000 | $220 |
| Maryland | $441,000 | $233 |
| United States | $289,000 | $193 |
Cecil County home prices by ZIP code
The 13 most valuable ZIP codes in Cecil County (of 13 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 21912 Warwick | $579,000 | $233 | +48% |
| 21915 Chesapeake City | $411,000 | $247 | +5% |
| 21917 Colora | $411,000 | $273 | +5% |
| 21904 Port Deposit | $403,000 | $156 | +3% |
| 21918 Conowingo | $400,000 | $225 | +2% |
| 21911 Rising Sun | $399,000 | $215 | +2% |
| 21901 North East | $392,000 | $199 | +0% |
| 21919 Earleville | $377,000 | $259 | -4% |
| 21921 Elkton | $373,000 | $204 | -5% |
| 21903 Perryville | $350,000 | $220 | -11% |
| 21914 Charlestown | $332,000 | $240 | -15% |
| 21913 Cecilton | $305,000 | $168 | -22% |
| 21920 Elkton | $276,000 | $146 | -30% |
Home value appreciation in Cecil County
Home prices in Cecil County have risen about 76% over the last 10 years (≈5.8% a year) and +53.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +6.4% — still rising. A home worth $392,000 today was worth roughly $222,348 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 Cecil County
Run the numbers for Cecil County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Cecil County
To buy the typical $392,000 home in Cecil County with 20% down, you need a household income of roughly $107,000 a year (about $2,490 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $127,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $19,600 | $3,090/mo | $133,000/yr |
| 10% (+PMI) | $39,200 | $2,960/mo | $127,000/yr |
| 20% | $78,400 | $2,490/mo | $107,000/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 Cecil County
At about $220 per square foot, here is roughly how much home different budgets get you in Cecil County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 910 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1140 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1360 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1820 sq ft | around the typical home here |
| $500k | 2270 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 Cecil County
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Cecil 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.