Worcester County, Maryland home prices
Typical home $422,876 · -0.7% in a year · property tax 0.73%
The typical home in Worcester County is worth $422,876, about the same as the Maryland typical home ($424,890). Values changed -0.7% in the past year and +17.6% over five years. Homeowners here pay a median 0.73% of their home's value in property tax each year ($3,090 on the typical home), versus 0.98% statewide.
Mortgage on the typical Worcester County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $84,575 | $338,300 | $2,276 | $0 | $469 | $2,745 | $117,600 |
| 10% down | $42,288 | $380,588 | $2,560 | $159 | $469 | $3,188 | $136,600 |
| 5% down | $21,144 | $401,732 | $2,702 | $167 | $469 | $3,339 | $143,100 |
| 3.5% down (FHA) | $14,801 | $415,216 | $2,793 | $187 | $469 | $3,449 | $147,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.73% 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 Salisbury metro area.
Maryland counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Prince Georges County | $421,250 | -1.2% | 1.12% |
| Saint Marys County | $431,391 | +2.7% | 0.84% |
| Harford County | $414,044 | +0.9% | 0.89% |
| Charles County | $442,448 | -1.4% | 1.01% |
| Kent County | $383,742 | +2.6% | 0.91% |
| Cecil County | $383,362 | +1.4% | 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% |
| Baltimore County | $358,090 | +0.4% | 1.07% |
Frequently asked questions
What is the average home price in Worcester County, MD?
The typical home value in Worcester County is $422,876 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Worcester County?
About $117,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Worcester County?
The median effective rate is 0.73% of home value a year (Census ACS 2024 5-year estimates).