Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home in Maryland
Where the full monthly cost of owning the local median home is lowest. Every figure includes tax, insurance, utilities and maintenance, not just the mortgage.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Maryland ranked
| # | County | Monthly to own | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Allegany County | $1,359 | $149,200 | 1.078% |
| 2 | Somerset County | $1,456 | $164,300 | 0.976% |
| 3 | Garrett County | $1,810 | $217,000 | 0.826% |
| 4 | Baltimore city | $1,945 | $219,300 | 1.476% |
| 5 | Wicomico County | $1,978 | $238,900 | 0.887% |
| 6 | Dorchester County | $2,087 | $252,300 | 0.951% |
| 7 | Caroline County | $2,226 | $272,400 | 0.923% |
| 8 | Washington County | $2,242 | $275,900 | 0.886% |
| 9 | Kent County | $2,480 | $307,100 | 0.943% |
| 10 | Cecil County | $2,524 | $311,800 | 0.981% |
| 11 | Baltimore County | $2,690 | $330,000 | 1.105% |
| 12 | Worcester County | $2,721 | $348,100 | 0.755% |
| 13 | Harford County | $2,911 | $367,300 | 0.932% |
| 14 | Talbot County | $3,043 | $398,300 | 0.659% |
| 15 | St. Mary's County | $3,060 | $390,900 | 0.868% |
| 16 | Carroll County | $3,196 | $406,400 | 0.944% |
| 17 | Charles County | $3,199 | $402,300 | 1.039% |
| 18 | Prince George's County | $3,252 | $404,300 | 1.153% |
| 19 | Queen Anne's County | $3,396 | $441,800 | 0.793% |
| 20 | Calvert County | $3,415 | $440,200 | 0.876% |
| 21 | Frederick County | $3,450 | $437,700 | 1.020% |
| 22 | Anne Arundel County | $3,478 | $450,300 | 0.852% |
| 23 | Howard County | $4,538 | $576,700 | 1.182% |
| 24 | Montgomery County | $4,663 | $615,200 | 0.868% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home across all 3,133 US counties · Every county in Maryland