Talbot County, MD Average Home Price (2026)
The average home price in Talbot County, Maryland is about $509,000 (the 2026 median across 15 ZIP codes, at ~$275/sq ft) — 15% more expensive than the Maryland median and 76% more expensive than the typical U.S. home.
How Talbot County compares
Talbot County is relatively expensive for housing nationally: its typical home costs $509,000 against $441,000 for Maryland and $289,000 for the U.S. Within the county, ZIP-level values run from about $230,000 to $1,107,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Talbot County | $509,000 | $275 |
| Maryland | $441,000 | $233 |
| United States | $289,000 | $193 |
Talbot County home prices by ZIP code
The 15 most valuable ZIP codes in Talbot County (of 15 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 21662 Royal Oak | $1,107,000 | $539 | +117% |
| 21612 Bozman | $933,000 | $589 | +83% |
| 21654 Oxford | $908,000 | $488 | +78% |
| 21665 Sherwood | $736,000 | $258 | +45% |
| 21663 Saint Michaels | $718,000 | $355 | +41% |
| 21679 Wye Mills | $660,000 | $222 | +30% |
| 21652 Bozman | $584,000 | $280 | +15% |
| 21647 McDaniel | $509,000 | $202 | +0% |
| 21624 Saint Michaels | $476,000 | $340 | -6% |
| 21676 Wittman | $476,000 | $275 | -6% |
| 21671 Tilghman | $473,000 | $317 | -7% |
| 21601 Easton | $441,000 | $242 | -13% |
| 21625 Cordova | $439,000 | $219 | -14% |
| 21673 Trappe | $406,000 | $247 | -20% |
| 21653 Newcomb | $230,000 | $121 | -55% |
Home value appreciation in Talbot County
Home prices in Talbot County have risen about 64% over the last 10 years (≈5.0% a year) and +43.0% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.1% — still rising. A home worth $509,000 today was worth roughly $311,125 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 Talbot County
Run the numbers for Talbot County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Talbot County
To buy the typical $509,000 home in Talbot County with 20% down, you need a household income of roughly $138,000 a year (about $3,230 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $165,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $25,500 | $4,020/mo | $172,000/yr |
| 10% (+PMI) | $50,900 | $3,840/mo | $165,000/yr |
| 20% | $101,800 | $3,230/mo | $138,000/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 Talbot County
At about $275 per square foot, here is roughly how much home different budgets get you in Talbot County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 910 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1090 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1450 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1820 sq ft | around the typical home here |
| $600k | 2180 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 Talbot County
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Talbot 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.