Charles County, Maryland home prices
Typical home $442,448 · -1.4% in a year · property tax 1.01%
The typical home in Charles County is worth $442,448, 4% more than the Maryland typical home ($424,890). Values changed -1.4% in the past year and +9.7% over five years. Homeowners here pay a median 1.01% of their home's value in property tax each year ($4,480 on the typical home), versus 0.98% statewide.
Mortgage on the typical Charles County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $88,490 | $353,959 | $2,381 | $0 | $595 | $2,976 | $127,500 |
| 10% down | $44,245 | $398,204 | $2,679 | $166 | $595 | $3,439 | $147,400 |
| 5% down | $22,122 | $420,326 | $2,828 | $175 | $595 | $3,597 | $154,200 |
| 3.5% down (FHA) | $15,486 | $434,435 | $2,922 | $196 | $595 | $3,713 | $159,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.01% 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 Washington metro area.
Maryland counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| Calvert County | $480,115 | +1.0% | 0.84% |
| Talbot County | $484,929 | -0.1% | 0.65% |
| Carroll County | $486,857 | +0.8% | 0.91% |
| Frederick County | $494,258 | -0.4% | 0.99% |
| Kent County | $383,742 | +2.6% | 0.91% |
| Cecil County | $383,362 | +1.4% | 0.89% |
Frequently asked questions
What is the average home price in Charles County, MD?
The typical home value in Charles County is $442,448 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Charles County?
About $127,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Charles County?
The median effective rate is 1.01% of home value a year (Census ACS 2024 5-year estimates).