Charles County, MD Average Home Price (2026)
The average home price in Charles County, Maryland is about $466,000 (the 2026 median across 21 ZIP codes, at ~$214/sq ft) — 6% more expensive than the Maryland median and 61% more expensive than the typical U.S. home.
How Charles County compares
Charles County is relatively expensive for housing nationally: its typical home costs $466,000 against $441,000 for Maryland and $289,000 for the U.S. Within the county, ZIP-level values run from about $342,000 to $579,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Charles County | $466,000 | $214 |
| Maryland | $441,000 | $233 |
| United States | $289,000 | $193 |
Cities in Charles County
Cities with their own home-value page, largest first:
Charles County home prices by ZIP code
The 15 most valuable ZIP codes in Charles County (of 21 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 20637 Hughesville | $579,000 | $207 | +24% |
| 20677 Port Tobacco | $569,000 | $182 | +22% |
| 20617 Bryantown | $552,000 | $213 | +18% |
| 20645 Issue | $511,000 | $182 | +10% |
| 20693 Welcome | $503,000 | $394 | +8% |
| 20622 Charlotte Hall | $501,000 | $214 | +8% |
| 20632 Faulkner | $477,000 | $213 | +2% |
| 20603 Waldorf | $473,000 | $202 | +2% |
| 20646 La Plata | $473,000 | $214 | +2% |
| 20695 White Plains | $472,000 | $186 | +1% |
| 20675 Pomfret | $466,000 | $188 | +0% |
| 20611 Bel Alton | $465,000 | $242 | +0% |
| 20601 Waldorf | $431,000 | $216 | -8% |
| 20616 Bryans Road | $418,000 | $199 | -10% |
| 20664 Newburg | $418,000 | $257 | -10% |
Home value appreciation in Charles County
Home prices in Charles County have risen about 65% over the last 10 years (≈5.1% a year) and +33.7% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +1.6% — still rising. A home worth $466,000 today was worth roughly $282,424 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 Charles County
Run the numbers for Charles County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Charles County
To buy the typical $466,000 home in Charles County with 20% down, you need a household income of roughly $127,000 a year (about $2,960 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $151,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $23,300 | $3,680/mo | $158,000/yr |
| 10% (+PMI) | $46,600 | $3,510/mo | $151,000/yr |
| 20% | $93,200 | $2,960/mo | $127,000/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 Charles County
At about $214 per square foot, here is roughly how much home different budgets get you in Charles County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 1170 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1400 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1870 sq ft | around the typical home here |
| $500k | 2340 sq ft | around the typical home here |
| $600k | 2800 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 Charles County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Charles 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.