Total monthly cost of ownership
Cost to Own a Home in Church Hill, Maryland
A $272,000 home here costs
$2,160per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,398. The real number is $762 higher every month — 54% 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.
Church Hill against Queen Anne's County and Maryland
| Measure | Church Hill | Queen Anne's County |
|---|---|---|
| Median home value | $272,000 | $441,800 |
| Median property tax | $2,441 | $3,503 |
| Effective tax rate | 0.897% | 0.793% |
| Median gross rent | $1,179 | $1,611 |
| Population | 1,052 | 50,951 |
The weather behind that power bill
Church Hill sits in Queen Anne's County, which averages a high of 86.0°F in its hottest month and a low of 29.8°F in its coldest, with 43.99" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 1,436 cooling and 4,062 heating degree days, which is what sets the $196 electricity line above.
See the full climate breakdown for Queen Anne's County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Queen Anne's County
Full Queen Anne's County cost breakdown · Every county in Maryland
Common questions
How much does it cost to own a home in Church Hill?
A $272,000 home in Church Hill, Maryland costs approximately $2,160 per month with 20% down at 6.66%. That is $1,398 principal and interest, $203 property tax, $68 homeowners insurance, $264 utilities and $227 set aside for maintenance.
What is the property tax rate in Church Hill?
Church Hill has an effective property tax rate of 0.897%, based on a median home value of $272,000 and median real estate taxes of $2,441. That is higher than the Queen Anne's County average of 0.793%.
What is the average home price in Church Hill?
The median owner-occupied home value in Church Hill, Maryland is $272,000, against $441,800 across Queen Anne's County.
Is it cheaper to rent or buy in Church Hill?
Median gross rent in Church Hill is $1,179 a month, against $2,160 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Church Hill — 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.