How much house can I afford on $80,000 in Maryland?
About $279,000 with 20% down ($223,000 with an FHA loan), using Maryland's 0.98% property tax rate.
That is $146,206 less than the typical Maryland home ($424,890), so on $80,000 you'd look at cheaper areas or a smaller home. The payment of $1,867 covers $1,500 principal and interest, $228 property tax and $139 insurance.
Counties in Maryland you can afford on $80,000
5 of 24 counties have a typical home value at or below $279,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Wicomico County | $271,722 | +1.2% | 0.85% |
| Dorchester County | $268,747 | +0.9% | 0.94% |
| Somerset County | $202,653 | +2.8% | 0.92% |
| Baltimore City | $181,356 | -3.9% | 1.46% |
| Allegany County | $155,795 | +3.1% | 1.06% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.98% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Maryland
Frequently asked questions
How much house can I afford on $80,000 in Maryland?
About $279,000 with 20% down at 7.11%, keeping the payment (with Maryland's 0.98% property tax and insurance) under $1,867 a month.
Is $80,000 enough to buy a house in Maryland?
Not the typical home: the typical Maryland home is worth $424,890 (Zillow, September 2026) and $80,000 supports about $279,000. 5 of 24 counties are within budget.