Garrett County, MD Average Home Price (2026)
The average home price in Garrett County, Maryland is about $232,500 (the 2026 median across 10 ZIP codes, at ~$207/sq ft) — 47% more affordable than the Maryland median and 20% more affordable than the typical U.S. home.
How Garrett County compares
Garrett County is about average for housing nationally: its typical home costs $232,500 against $441,000 for Maryland and $289,000 for the U.S. Within the county, ZIP-level values run from about $88,000 to $631,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Garrett County | $232,500 | $207 |
| Maryland | $441,000 | $233 |
| United States | $289,000 | $193 |
Garrett County home prices by ZIP code
The 10 most valuable ZIP codes in Garrett County (of 10 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 21541 Mc Henry | $631,000 | $313 | +171% |
| 21561 Swanton | $589,000 | $347 | +153% |
| 21520 Accident | $314,000 | $253 | +35% |
| 21550 Oakland | $298,000 | $273 | +28% |
| 21536 Grantsville | $243,000 | $204 | +5% |
| 21531 Friendsville | $222,000 | $210 | -5% |
| 21521 Barton | $124,000 | $49 | -47% |
| 21539 Lonaconing | $105,000 | $64 | -55% |
| 21562 Westernport | $91,000 | $55 | -61% |
| 21538 Kitzmiller | $88,000 | $53 | -62% |
Home value appreciation in Garrett County
Home prices in Garrett County have risen about 82% over the last 10 years (≈6.2% a year) and +75.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +2.4% — still rising. A home worth $232,500 today was worth roughly $127,607 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 Garrett County
Run the numbers for Garrett County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Garrett County
To buy the typical $232,500 home in Garrett County with 20% down, you need a household income of roughly $63,000 a year (about $1,480 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $75,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,600 | $1,830/mo | $79,000/yr |
| 10% (+PMI) | $23,300 | $1,750/mo | $75,000/yr |
| 20% | $46,500 | $1,480/mo | $63,000/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 Garrett County
At about $207 per square foot, here is roughly how much home different budgets get you in Garrett County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 720 sq ft | below the local median — condos, smaller or older homes |
| $200k | 970 sq ft | around the typical home here |
| $250k | 1210 sq ft | around the typical home here |
| $300k | 1450 sq ft | around the typical home here |
| $400k | 1930 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 Garrett County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Garrett County home prices: frequently asked
What is the average home price in Garrett County, MD? +
What salary do you need to buy a house in Garrett County? +
Which part of Garrett County is most expensive? +
Are home values in Garrett County going up? +
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.