Garrett County, Maryland home prices
Typical home $334,905 · +2.0% in a year · property tax 0.78%
The typical home in Garrett County is worth $334,905, 21% less than the Maryland typical home ($424,890). Values changed +2.0% in the past year and +14.8% over five years. Homeowners here pay a median 0.78% of their home's value in property tax each year ($2,613 on the typical home), versus 0.98% statewide.
Mortgage on the typical Garrett County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $66,981 | $267,924 | $1,802 | $0 | $385 | $2,188 | $93,800 |
| 10% down | $33,490 | $301,414 | $2,028 | $126 | $385 | $2,538 | $108,800 |
| 5% down | $16,745 | $318,159 | $2,140 | $133 | $385 | $2,658 | $113,900 |
| 3.5% down (FHA) | $11,722 | $328,839 | $2,212 | $148 | $385 | $2,745 | $117,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.78% 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.
Maryland counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Washington County | $327,924 | +0.5% | 0.84% |
| Caroline County | $326,167 | +0.7% | 0.9% |
| Baltimore County | $358,090 | +0.4% | 1.07% |
| Cecil County | $383,362 | +1.4% | 0.89% |
| Kent County | $383,742 | +2.6% | 0.91% |
| Wicomico County | $271,722 | +1.2% | 0.85% |
| Dorchester County | $268,747 | +0.9% | 0.94% |
| 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% |
Frequently asked questions
What is the average home price in Garrett County, MD?
The typical home value in Garrett County is $334,905 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Garrett County?
About $93,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Garrett County?
The median effective rate is 0.78% of home value a year (Census ACS 2024 5-year estimates).