Maryland Metro Values, and the Four Counties They Leave Out
Program and regulatory figures verified October 9, 2026. Details change; confirm your scenario with us.
The honest version of a market page: five measured metros, and an open admission that the state's most expensive housing is not in the table.
The five Maryland metros
| Metro | Typical value | Year over year |
|---|---|---|
| Easton | $490,791 | -0.1% |
| California, MD | $435,183 | +3.0% |
| ★ Baltimore | $400,263 | +0.6% |
| Hagerstown | $323,970 | +2.6% |
| Cumberland | $170,460 | +3.1% |
Zillow typical values, 33rd to 67th percentile, smoothed and seasonally adjusted, month ending 2026-08-31.
★ Four of five rose. Cumberland's 3.1% comes off the lowest base in the state, and Easton's -0.1% is a flat year rather than a decline.
★★ What is missing, and why
Montgomery, Prince George's, Frederick and Charles. The four counties carrying Maryland's $1,249,125 conforming limit.
They are not in the table above because Zillow assigns them to the Washington, DC metropolitan area rather than to a Maryland metro. Maryland's own metro series therefore does not describe Maryland's most expensive housing.
★★ This matters because of what a reader would otherwise do with Baltimore's $400,263. It is a correct figure for the Baltimore metro and a badly misleading one if read as representative of Bethesda, Rockville or Potomac.
★ We did not pull the Washington metro series this pass, so we publish no figure for those counties rather than substituting a nearby one. Cite or omit.
What a physician should take from this
- If you are buying in the Baltimore metro, the table is yours and the market is roughly flat to slightly up.
- If you are buying in the DC commuter counties, the relevant comparison is the Washington metro, not anything on this page, and the relevant loan limit is $1,249,125. The limits
- Either way, the figure that governs your loan is the appraisal on your file, not a metro average.
★ What these figures are not
- Not a forecast. One month's typical value and the change through it.
- Not neighbourhood-level. "Baltimore" spans Roland Park and Dundalk.
- Not complete, as set out above.
- Not a valuation of any particular property.
By metro
Baltimore · Montgomery County and the DC belt.
Mike Certo, NMLS #260555. (480) 296-6513 · mcerto@cfmtg.com.
Frequently asked questions
What is the typical home value in Baltimore?
$400,263 for the month ending August 31, 2026, up 0.6 percent year over year. That is Zillow's typical value for the Baltimore metro, measured between the 33rd and 67th percentile and seasonally adjusted.Why is there no Bethesda or Rockville home value on this page?
Because Zillow files Montgomery, Prince George's, Frederick and Charles counties under the Washington, DC metropolitan area rather than a Maryland metro, so they are absent from Maryland's own metro series. We did not pull the Washington series this pass and publish no figure rather than substituting Baltimore's.Are Maryland home prices rising in 2026?
In the measured Maryland metros, mostly yes. Four of the five rose over the year to August 31, 2026: California at 3.0 percent, Cumberland at 3.1 percent, Hagerstown at 2.6 percent and Baltimore at 0.6 percent. Easton was essentially flat at minus 0.1 percent.Which Maryland metro is most expensive?
Of the metros Zillow files under Maryland, Easton at $490,791 for the month ending August 31, 2026. The state's most expensive housing sits in the Washington commuter counties, which are reported under the Washington, DC metro instead.Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content about physician mortgage financing, not a loan commitment and not legal, tax or financial advice. The Maryland Loan Repayment Programs are administered by the Maryland Department of Health, not by Cornerstone; their terms, award amounts and application cycles are set by that department and change. Md. Code, Tax-Property §13-203 is quoted so you can take it to your own attorney and title company; whether a particular buyer qualifies as a first-time Maryland home buyer is established by a statement signed under oath, not by a lender. Figures here carry the date we verified them against primary sources. Physician-loan program terms, eligible degrees and overlays are set by the lender and change. All loans are subject to borrower, property and program qualification.