Ranked from ACS 2023 5-Year
Highest Salary Needed to Buy a Home in Maryland
What a household has to earn to buy the county's own median home under the standard 28% rule, meaning housing costs at no more than 28% of gross income, counting the full monthly bill rather than just the mortgage. These are the counties where the entry ticket is steepest.
Maryland ranked
| # | County | Income needed | Monthly to own | Median home |
|---|---|---|---|---|
| 1 | Montgomery County | $200,000 | $4,663 | $615,200 |
| 2 | Howard County | $194,500 | $4,538 | $576,700 |
| 3 | Anne Arundel County | $149,000 | $3,478 | $450,300 |
| 4 | Frederick County | $148,000 | $3,450 | $437,700 |
| 5 | Calvert County | $146,500 | $3,415 | $440,200 |
| 6 | Queen Anne's County | $145,500 | $3,396 | $441,800 |
| 7 | Prince George's County | $139,500 | $3,252 | $404,300 |
| 8 | Carroll County | $137,000 | $3,196 | $406,400 |
| 9 | Charles County | $137,000 | $3,199 | $402,300 |
| 10 | St. Mary's County | $131,000 | $3,060 | $390,900 |
| 11 | Talbot County | $130,500 | $3,043 | $398,300 |
| 12 | Harford County | $125,000 | $2,911 | $367,300 |
| 13 | Worcester County | $116,500 | $2,721 | $348,100 |
| 14 | Baltimore County | $115,500 | $2,690 | $330,000 |
| 15 | Cecil County | $108,000 | $2,524 | $311,800 |
| 16 | Kent County | $106,500 | $2,480 | $307,100 |
| 17 | Washington County | $96,000 | $2,242 | $275,900 |
| 18 | Caroline County | $95,500 | $2,226 | $272,400 |
| 19 | Dorchester County | $89,500 | $2,087 | $252,300 |
| 20 | Wicomico County | $85,000 | $1,978 | $238,900 |
| 21 | Baltimore city | $83,500 | $1,945 | $219,300 |
| 22 | Garrett County | $77,500 | $1,810 | $217,000 |
| 23 | Somerset County | $62,500 | $1,456 | $164,300 |
| 24 | Allegany County | $58,000 | $1,359 | $149,200 |
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
Highest Salary Needed to Buy a Home across all 3,133 US counties · Every county in Maryland