Ranked from ACS 2023 5-Year
Lowest Costs Beyond the Mortgage in Maryland
Where the mortgage is most of what owning costs, and everything else is a thin slice on top. These are the counties where a payoff changes the most: the share in the first column is roughly what you would still be paying every month with no mortgage left at all. Modelled at 20% down at the rate this site currently uses, so the share moves with both.
Maryland ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Montgomery County | 29.6% | $1,378 | $4,663 |
| 2 | Talbot County | 30.1% | $917 | $3,043 |
| 3 | Queen Anne's County | 30.5% | $1,037 | $3,396 |
| 4 | Anne Arundel County | 30.9% | $1,074 | $3,478 |
| 5 | Calvert County | 31.2% | $1,065 | $3,415 |
| 6 | Worcester County | 31.7% | $863 | $2,721 |
| 7 | St. Mary's County | 31.8% | $973 | $3,060 |
| 8 | Carroll County | 32.1% | $1,027 | $3,196 |
| 9 | Howard County | 32.2% | $1,460 | $4,538 |
| 10 | Frederick County | 32.3% | $1,113 | $3,450 |
| 11 | Harford County | 32.6% | $950 | $2,911 |
| 12 | Charles County | 32.9% | $1,051 | $3,199 |
| 13 | Prince George's County | 33.6% | $1,093 | $3,252 |
| 14 | Kent County | 33.9% | $841 | $2,480 |
| 15 | Cecil County | 34.1% | $860 | $2,524 |
| 16 | Washington County | 34.3% | $769 | $2,242 |
| 17 | Baltimore County | 34.5% | $928 | $2,690 |
| 18 | Caroline County | 34.7% | $772 | $2,226 |
| 19 | Dorchester County | 35.5% | $740 | $2,087 |
| 20 | Wicomico County | 35.5% | $702 | $1,978 |
| 21 | Garrett County | 36.0% | $651 | $1,810 |
| 22 | Somerset County | 39.7% | $579 | $1,456 |
| 23 | Baltimore city | 39.8% | $774 | $1,945 |
| 24 | Allegany County | 41.4% | $563 | $1,359 |
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
Lowest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Maryland