Total monthly cost of ownership
Cost to Own a Home in Dunkirk, Maryland
A $558,000 home here costs
$4,297per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $184,000 a year.
A standard mortgage calculator would have told you $3,042. The real number is $1,255 higher every month, 41% more than the payment most buyers budget for.
Compare Calvert County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Dunkirk from a five-year rolling sample, and with about 2,319 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Calvert County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Dunkirk against Calvert County and Maryland
| Measure | Dunkirk | Calvert County |
|---|---|---|
| Median home value | $557,700 | $440,200 |
| Median property tax | $4,601 | $3,858 |
| Effective tax rate | 0.825% | 0.876% |
| Median gross rent | — | $1,701 |
| Population | 2,319 | 93,791 |
The weather behind that power bill
Dunkirk sits in Calvert County, which averages a high of 87.3°F in its hottest month and a low of 29.5°F in its coldest, with 45.3" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 1,508 cooling and 3,927 heating degree days, which is what sets the $199 electricity line above.
See the full climate breakdown for Calvert County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Calvert County
Full Calvert County cost breakdown · Every county in Maryland
Talk to someone who works this market
These are Dunkirk averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Dunkirk every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Dunkirk I already own here and may sell
Common questions
How much does it cost to own a home in Dunkirk?
A $558,000 home in Dunkirk, Maryland costs approximately $4,297 per month with 20% down at 7.24%. That is $3,042 principal and interest, $384 property tax, $140 homeowners insurance, $267 utilities and $465 set aside for maintenance.
What is the property tax rate in Dunkirk?
Dunkirk has an effective property tax rate of 0.825%, based on a median home value of $557,700 and median real estate taxes of $4,601. That is lower than the Calvert County average of 0.876%.
What is the average home price in Dunkirk?
The median owner-occupied home value in Dunkirk, Maryland is $557,700, against $440,200 across Calvert County.
Is it cheaper to rent or buy in Dunkirk?
Rent data is not published for Dunkirk at this level of detail.
What salary do you need to buy a home in Dunkirk?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Dunkirk, Maryland at today's rate takes a household income of roughly $184,000 a year. That covers the full $4,297 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Dunkirk, 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.