Carroll County, Maryland home prices
Typical home $486,857 · +0.8% in a year · property tax 0.91%
The typical home in Carroll County is worth $486,857, 15% more than the Maryland typical home ($424,890). Values changed +0.8% in the past year and +17.1% over five years. Homeowners here pay a median 0.91% of their home's value in property tax each year ($4,413 on the typical home), versus 0.98% statewide.
Mortgage on the typical Carroll County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $97,371 | $389,486 | $2,620 | $0 | $611 | $3,231 | $138,500 |
| 10% down | $48,686 | $438,171 | $2,948 | $183 | $611 | $3,741 | $160,300 |
| 5% down | $24,343 | $462,514 | $3,111 | $193 | $611 | $3,915 | $167,800 |
| 3.5% down (FHA) | $17,040 | $478,039 | $3,216 | $215 | $611 | $4,042 | $173,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.91% 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 |
|---|---|---|---|
| Talbot County | $484,929 | -0.1% | 0.65% |
| Calvert County | $480,115 | +1.0% | 0.84% |
| Frederick County | $494,258 | -0.4% | 0.99% |
| Anne Arundel County | $502,145 | +0.9% | 0.85% |
| Queen Annes County | $522,697 | +2.3% | 0.78% |
| Charles County | $442,448 | -1.4% | 1.01% |
| Saint Marys County | $431,391 | +2.7% | 0.84% |
| Worcester County | $422,876 | -0.7% | 0.73% |
| Prince Georges County | $421,250 | -1.2% | 1.12% |
| Harford County | $414,044 | +0.9% | 0.89% |
Frequently asked questions
What is the average home price in Carroll County, MD?
The typical home value in Carroll County is $486,857 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Carroll County?
About $138,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Carroll County?
The median effective rate is 0.91% of home value a year (Census ACS 2024 5-year estimates).