Baltimore County, Maryland home prices
Typical home $358,090 · +0.4% in a year · property tax 1.07%
The typical home in Baltimore County is worth $358,090, 16% less than the Maryland typical home ($424,890). Values changed +0.4% in the past year and +14.5% over five years. Homeowners here pay a median 1.07% of their home's value in property tax each year ($3,830 on the typical home), versus 0.98% statewide.
Mortgage on the typical Baltimore County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $71,618 | $286,472 | $1,927 | $0 | $498 | $2,425 | $103,900 |
| 10% down | $35,809 | $322,281 | $2,168 | $134 | $498 | $2,801 | $120,000 |
| 5% down | $17,905 | $340,186 | $2,288 | $142 | $498 | $2,928 | $125,500 |
| 3.5% down (FHA) | $12,533 | $351,605 | $2,365 | $158 | $498 | $3,022 | $129,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.07% 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.
What it takes: see what you can afford by salary in Maryland · part of the Baltimore metro area.
Maryland counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Garrett County | $334,905 | +2.0% | 0.78% |
| Cecil County | $383,362 | +1.4% | 0.89% |
| Kent County | $383,742 | +2.6% | 0.91% |
| Washington County | $327,924 | +0.5% | 0.84% |
| Caroline County | $326,167 | +0.7% | 0.9% |
| Harford County | $414,044 | +0.9% | 0.89% |
| Prince Georges County | $421,250 | -1.2% | 1.12% |
| Worcester County | $422,876 | -0.7% | 0.73% |
| Saint Marys County | $431,391 | +2.7% | 0.84% |
| Charles County | $442,448 | -1.4% | 1.01% |
Frequently asked questions
What is the average home price in Baltimore County, MD?
The typical home value in Baltimore County is $358,090 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Baltimore County?
About $103,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Baltimore County?
The median effective rate is 1.07% of home value a year (Census ACS 2024 5-year estimates).