Total monthly cost of ownership
Cost to Own a Home in Keedysville, Maryland
A $395,000 home here costs
$2,956per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,031. The real number is $925 higher every month — 46% 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.
Keedysville against Washington County and Maryland
| Measure | Keedysville | Washington County |
|---|---|---|
| Median home value | $395,300 | $275,900 |
| Median property tax | $2,808 | $2,444 |
| Effective tax rate | 0.710% | 0.886% |
| Median gross rent | $1,556 | $1,100 |
| Population | 1,243 | 155,033 |
The weather behind that power bill
Keedysville sits in Washington County, which averages a high of 87.3°F in its hottest month and a low of 25.3°F in its coldest, with 35.6" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,248 cooling and 4,716 heating degree days, which is what sets the $196 electricity line above.
See the full climate breakdown for Washington County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Washington County
Full Washington County cost breakdown · Every county in Maryland
Common questions
How much does it cost to own a home in Keedysville?
A $395,000 home in Keedysville, Maryland costs approximately $2,956 per month with 20% down at 6.66%. That is $2,031 principal and interest, $234 property tax, $99 homeowners insurance, $264 utilities and $329 set aside for maintenance.
What is the property tax rate in Keedysville?
Keedysville has an effective property tax rate of 0.710%, based on a median home value of $395,300 and median real estate taxes of $2,808. That is lower than the Washington County average of 0.886%.
What is the average home price in Keedysville?
The median owner-occupied home value in Keedysville, Maryland is $395,300, against $275,900 across Washington County.
Is it cheaper to rent or buy in Keedysville?
Median gross rent in Keedysville is $1,556 a month, against $2,956 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 Keedysville — 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.