Total monthly cost of ownership
Cost to Own a Home in Rock Hall, Maryland
A $245,000 home here costs
$2,037per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,260. The real number is $778 higher every month — 62% 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.
Rock Hall against Kent County and Maryland
| Measure | Rock Hall | Kent County |
|---|---|---|
| Median home value | $245,400 | $307,100 |
| Median property tax | $2,987 | $2,896 |
| Effective tax rate | 1.217% | 0.943% |
| Median gross rent | $808 | $1,144 |
| Population | 1,286 | 19,265 |
The weather behind that power bill
Rock Hall sits in Kent County, which averages a high of 86.6°F in its hottest month and a low of 27.1°F in its coldest, with 45.96" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,284 cooling and 4,546 heating degree days, which is what sets the $196 electricity line above.
See the full climate breakdown for Kent County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Kent County
Common questions
How much does it cost to own a home in Rock Hall?
A $245,000 home in Rock Hall, Maryland costs approximately $2,037 per month with 20% down at 6.66%. That is $1,260 principal and interest, $248 property tax, $61 homeowners insurance, $264 utilities and $204 set aside for maintenance.
What is the property tax rate in Rock Hall?
Rock Hall has an effective property tax rate of 1.217%, based on a median home value of $245,400 and median real estate taxes of $2,987. That is higher than the Kent County average of 0.943%.
What is the average home price in Rock Hall?
The median owner-occupied home value in Rock Hall, Maryland is $245,400, against $307,100 across Kent County.
Is it cheaper to rent or buy in Rock Hall?
Median gross rent in Rock Hall is $808 a month, against $2,037 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 Rock Hall — 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.