Total monthly cost of ownership
Cost to Own a Home in Braddock Heights, Maryland
A $532,000 home here costs
$3,945per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,735. The real number is $1,210 higher every month — 44% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Braddock Heights against Frederick County and Maryland
| Measure | Braddock Heights | Frederick County |
|---|---|---|
| Median home value | $532,200 | $437,700 |
| Median property tax | $4,438 | $4,463 |
| Effective tax rate | 0.834% | 1.020% |
| Median gross rent | — | $1,706 |
| Population | 2,606 | 280,341 |
The weather behind that power bill
Braddock Heights sits in Frederick County, which averages a high of 88.6°F in its hottest month and a low of 26.5°F in its coldest, with 43.52" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,397 cooling and 4,275 heating degree days, which is what sets the $196 electricity line above.
See the full climate breakdown for Frederick County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Frederick County
Full Frederick County cost breakdown · Every county in Maryland
Common questions
How much does it cost to own a home in Braddock Heights?
A $532,000 home in Braddock Heights, Maryland costs approximately $3,945 per month with 20% down at 6.66%. That is $2,735 principal and interest, $370 property tax, $133 homeowners insurance, $264 utilities and $443 set aside for maintenance.
What is the property tax rate in Braddock Heights?
Braddock Heights has an effective property tax rate of 0.834%, based on a median home value of $532,200 and median real estate taxes of $4,438. That is lower than the Frederick County average of 1.020%.
What is the average home price in Braddock Heights?
The median owner-occupied home value in Braddock Heights, Maryland is $532,200, against $437,700 across Frederick County.
Is it cheaper to rent or buy in Braddock Heights?
Rent data is not published for Braddock Heights at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Braddock Heights — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Maryland.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.