Cecil County, Maryland home prices
Typical home $383,362 · +1.4% in a year · property tax 0.89%
The typical home in Cecil County is worth $383,362, 10% less than the Maryland typical home ($424,890). Values changed +1.4% in the past year and +20.6% over five years. Homeowners here pay a median 0.89% of their home's value in property tax each year ($3,425 on the typical home), versus 0.98% statewide.
Mortgage on the typical Cecil County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $76,672 | $306,690 | $2,063 | $0 | $477 | $2,540 | $108,900 |
| 10% down | $38,336 | $345,026 | $2,321 | $144 | $477 | $2,942 | $126,100 |
| 5% down | $19,168 | $364,194 | $2,450 | $152 | $477 | $3,079 | $131,900 |
| 3.5% down (FHA) | $13,418 | $376,419 | $2,532 | $170 | $477 | $3,179 | $136,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.89% 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 Philadelphia metro area.
Maryland counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Kent County | $383,742 | +2.6% | 0.91% |
| Baltimore County | $358,090 | +0.4% | 1.07% |
| 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% |
| Garrett County | $334,905 | +2.0% | 0.78% |
| Washington County | $327,924 | +0.5% | 0.84% |
| Caroline County | $326,167 | +0.7% | 0.9% |
| Charles County | $442,448 | -1.4% | 1.01% |
Frequently asked questions
What is the average home price in Cecil County, MD?
The typical home value in Cecil County is $383,362 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cecil County?
About $108,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cecil County?
The median effective rate is 0.89% of home value a year (Census ACS 2024 5-year estimates).