Maryland Affordability
How affordable is Maryland real estate?
Public Record + Census ACS
Median Home Price
$514.7K
Median Household Income
$98,461
Affordability Index
5.23
vs National Avg
-23.3%
Cities in Maryland by Affordability
| # | City | Median Price | Index |
|---|---|---|---|
| 1 | Cumberland | $165.4K | 1.68 |
| 2 | Lusby | $285.3K | 2.90 |
| 3 | Baltimore | $303.1K | 3.08 |
| 4 | Capitol Heights | $304.4K | 3.09 |
| 5 | Hagerstown | $374.4K | 3.80 |
| 6 | College Park | $385.7K | 3.92 |
| 7 | Indian Head | $392.5K | 3.99 |
| 8 | Berlin | $402.7K | 4.09 |
| 9 | Middle River | $412.9K | 4.19 |
| 10 | Glen Burnie | $417.7K | 4.24 |
| 11 | Columbia | $451.3K | 4.58 |
| 12 | Frederick | $461K | 4.68 |
| 13 | Waldorf | $477K | 4.84 |
| 14 | Hyattsville | $477.4K | 4.85 |
| 15 | Ocean City | $481.3K | 4.89 |
| 16 | Bowie | $490.6K | 4.98 |
| 17 | Silver Spring | $491.3K | 4.99 |
| 18 | Bel Air | $528.7K | 5.37 |
| 19 | Laurel | $541.7K | 5.50 |
| 20 | Gaithersburg | $555.8K | 5.65 |
| 21 | Upper Marlboro | $564.3K | 5.73 |
| 22 | Edgewater | $590.2K | 5.99 |
| 23 | Pasadena | $602.4K | 6.12 |
| 24 | Clarksburg | $610K | 6.20 |
| 25 | Annapolis | $670.1K | 6.81 |
| 26 | Stevensville | $690.7K | 7.02 |
| 27 | Sykesville | $707.6K | 7.19 |
| 28 | Rockville | $736.9K | 7.48 |
| 29 | Bethesda | $1.23M | 12.50 |
| 30 | Lutherville Timonium | $1.27M | 12.89 |
Methodology
Affordability index = local median home price ÷ state median household income. A value of 4.0 means homes cost 4x annual income (roughly the historical "rule of thumb" ceiling). Higher values = less affordable.
Income figures: US Census Bureau, ACS 5-year estimates (state level). Sale prices: MarketTimeline public-record SOLD events, last 12 months.