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City · 7,006 residents · Baltimore County, Maryland

Bowleys Quarters , Maryland

In Bowleys Quarters, a typical home is worth $400,100 and typical rent is $1,747 a month. Compared with all of Baltimore County, the typical home value is 15% higher, typical household income is 8% higher, and the share of households that own their home is 12 points higher.

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  • Typical home value

    $400,100

    15% above the county

    5% below Maryland

    • Bowleys Quarters
    • Baltimore
    • Maryland

  • Typical rent

    $1,747a month

    7% above the county

    2% above Maryland

    • Bowleys Quarters
    • Baltimore
    • Maryland

  • Typical household income

    $99,534a year

    8% above the county

    4% below Maryland

    • Bowleys Quarters
    • Baltimore
    • Maryland

  • Households that own their home

    78%

    12 points above the county

    11 points above Maryland

    • Bowleys Quarters
    • Baltimore
    • Maryland

Source: U.S. Census Bureau, Average 2020–2024

Bowleys Quarters is in Baltimore County. The FHA loan limit ($747,500 for a one-unit home), the fair market rents and the help on this page are those of all of Baltimore County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Bowleys Quarters apart

What this place has that others do not, from public data, most unusual first.

  1. Bowleys Quarters has the 3rd largest share of rent-burdened renters of the 170 cities in Maryland with more than 5,000 people (75%).

  2. Nearby, in Essex, the typical home value is $258,900: 35% less than in Bowleys Quarters ($400,100).

  3. Nearby, in Essex, the typical rent is $1,319: 24% less than in Bowleys Quarters ($1,747).

  4. 78% of households in Bowleys Quarters own their home, against 66% in Baltimore County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Bowleys Quarters

What homes there are in Bowleys Quarters, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Bowleys Quarters: 64% of homes, more than in Baltimore County (47%).

Year built

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,119 a month

Baltimore County: $2,049 a month

Without a mortgage

$791 a month

Baltimore County: $703 a month

Owners with a mortgage

71%

Baltimore County: 67%

In Bowleys Quarters, 71% of owners have a mortgage; their typical cost is $2,119 a month, about the same as in Baltimore County.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Bowleys Quarters rose 59%; in Baltimore County, it rose 34%.

The typical rent in Bowleys Quarters rose 52% over the same time; in Baltimore County, it rose 25%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBowleys QuartersBaltimore CountyMarylandUnited States
Rental vacancy Unreliable estimate4.8%4.7%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room Unreliable estimate2.1%2.5%3.4%
People per household 2.642.502.572.53
Drive alone 79%70%65%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimate3%4%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate17%19%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Bowleys Quarters are bigger: 2.64 people on average; in Baltimore County, 2.50.

To get to work, 79% of workers in Bowleys Quarters drive alone; in Baltimore County, 70%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Bowleys Quarters?

A typical home costs more than the typical income allows

We start with a typical home in Bowleys Quarters, worth $400,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Bowleys Quarters, which is $99,534 a year. For that payment to be 28% of income, a household would need to earn about $143,218 a year.

The calculator's FHA and conventional loan limits are those of all of Baltimore County.

Your numbers

Local data
$

Starts at the typical home value in Bowleys Quarters. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $14,004 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,342

at 7.18% · 30 years

Loan amount
$392,853
Total interest
$565,223
Paid off in
November 2056

Includes $6,757 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,322 a month

  • Tight

    $2,322 to $2,986 a month

  • Hard

    more than $2,986 a month

    Your payment · 40%

Compared with the typical household income in Bowleys Quarters ($99,534 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,342
Principal & interest$2,661
Property tax$337
Home insurance$167
FHA mortgage insurance (MIP)$177

You need at least $14,004 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Bowleys Quarters and Baltimore County

Bowleys Quarters is in Baltimore County, Maryland. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Bowleys Quarters's own numbers

Typical home value
$400,100
Typical monthly rent
$1,747
Typical yearly household income
$99,534
Households that own their home
78%
Effective property tax rate
1.01%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Baltimore County

FHA limit, one-unit home
$747,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,006
Price change over 5 years (FHFA)
+39%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Baltimore County.

Everything about Baltimore County

Buying

Buying a home in Bowleys Quarters

A typical home in Bowleys Quarters is worth $400,100: 15% above the county and 5% below Maryland. With the typical household income in Bowleys Quarters ($99,534 a year), a typical home costs 4.0 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Bowleys Quarters 4.0 years
  • Baltimore 3.8 years
  • Maryland 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Baltimore County

According to FHFA’s house price index, home prices in Baltimore County rose 58% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Baltimore County.

Period County Maryland U.S.
Last year (2025) +2.9% +2.7% +2.9%
5 years (2020–2025) +39% +40% +47%
10 years (2015–2025) +58% +60% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Bowleys Quarters next to Baltimore County, Maryland and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Bowleys Quarters $400,100
  • Baltimore $349,300
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Bowleys Quarters $1,747
  • Baltimore $1,627
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Bowleys Quarters $99,534
  • Baltimore $91,768
  • Maryland $103,678
  • United States $80,734
See the full table
Bowleys Quarters next to Baltimore County and Maryland
Measure Bowleys Quarters Baltimore County Maryland U.S.
Typical home value $400,100 $349,300 $419,900 $332,700
Typical monthly rent $1,747 $1,627 $1,705 $1,413
Typical yearly household income $99,534 $91,768 $103,678 $80,734
Households that own their home 78% 66% 68% 65%
Typical yearly property tax $4,057 $3,736 $4,093 $3,119
Effective property tax rate 1.01% 1.07% 0.97% 0.94%
Renters with high rent for their income 75% 54% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Baltimore County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Bowleys Quarters

For a typical $400,100 home in Bowleys Quarters, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bowleys Quarters's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,342a month

    Least cash to close
    Down payment
    $14,004
    Cash to close
    $26,007
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $177

  • Conventional, 5% down $3,268a month

    Down payment
    $20,005
    Cash to close
    $32,008
    Rate
    7.18%
    Mortgage insurance
    PMI · $190

  • Conventional, 20% down, no PMI $2,672a month

    Down payment
    $80,020
    Cash to close
    $92,023
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,042a month

    Down payment
    $60,015
    Cash to close
    $72,018
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Bowleys Quarters and for Baltimore County.

Property tax

Effective rate in Bowleys Quarters

1.01%of the home’s value each year

$4,057 a year for the typical owner in Bowleys Quarters.

  • Bowleys Quarters 1.01%
  • Baltimore 1.07%
  • Maryland 0.97%

What Maryland publishes Homestead tax credit (cap on yearly assessment increases) (Maryland General Assembly (Annotated Code of Maryland, Tax-Property Article))

Exemptions and deadlines in Maryland

Flood risk in Baltimore County

FEMA does not publish these numbers by city: they are for all of Baltimore County.

FEMA’s maps count no homes in the high-risk zone in Baltimore County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bowleys Quarters

Typical rent in Bowleys Quarters is $1,747 a month: 7% above the county. In Bowleys Quarters, 75% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Baltimore County, by unit size. To pay the 2-bedroom one ($2,006 a month) without spending more than 30% of your income, you would need to earn $38.58 an hour working full time.

HUD fair market rent for all of Baltimore County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,523 $29.29 $60,920
1 bedroom $1,625 $31.25 $65,000
2 bedrooms $2,006 $38.58 $80,240
3 bedrooms $2,509 $48.25 $100,360
4 bedrooms $2,789 $53.63 $111,560

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Bowleys Quarters

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bowleys Quarters is in ZIP code 21220.

For 2 bedrooms it is $2,040: $34 more than the fair market rent for Baltimore County ($2,006).

  • 21220 $2,040$2,550

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bowleys Quarters when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Bowleys Quarters

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 2 HUD-approved agencies with an office in Baltimore County; none says it serves in Spanish.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Bowleys Quarters

No down payment, repair or rent-help program on our list is for Bowleys Quarters or Baltimore County. The ones below are statewide in Maryland: they work in Bowleys Quarters the same as in the rest of the state.

Which programs do I qualify for? All programs in Maryland

  • MMP 1st Time Advantage

    Statewide in Maryland

    Maryland Mortgage Program mortgages for first-time buyers, with a deferred 0% second mortgage for the down payment: $6,000, or 3%, 4% or 5% of the loan. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Deferred

    See the program Official page

  • MMP Flex Loans

    Statewide in Maryland

    Maryland Mortgage Program mortgages for first-time buyers and for people who have owned a home before; Flex 6000 brings $6,000 and Flex 3% brings 3% of the loan for the down payment, as a deferred 0% second loan. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Deferred

    See the program Official page

  • Maryland SmartBuy

    Statewide in Maryland

    Maryland Mortgage Program loan of up to 15% of the price (maximum $25,000) to pay off your student debt when you buy a home; no interest or monthly payments, and forgiven after five years if you stay in the home. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Forgivable

    See the program Official page

Housing counselors near Bowleys Quarters

The HUD-approved agencies closest to the center of Bowleys Quarters, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Harbel Housing Partnership ( A Division of Harbel Community Organization, Inc.)

    5807 Harford Rd, Baltimore · 10 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (410) 444-9152

  • Belair - Edison Neighborhoods, Inc.

    3545 Belair Rd, Baltimore · 10 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (410) 485-8422

  • Southeast Community Development Corporation

    3323 Eastern Ave, Baltimore · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (410) 342-3234

Every agency in Baltimore County All counseling agencies in Maryland

Help in Spanish near Bowleys Quarters

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Bowleys Quarters

HUD’s record names them for Bowleys Quarters or Baltimore County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

All housing agencies in Maryland Source: HUD

Cities

Other cities in Baltimore County

These cities are also in Baltimore County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Baltimore County Housing in Maryland
See 18 more cities in Baltimore County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Bowleys Quarters, with the typical home value.

Neighboring counties

If Baltimore County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Bowleys Quarters.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Bowleys Quarters

Short answers with the numbers for Bowleys Quarters and all of Baltimore County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Bowleys Quarters?

The typical home value in Bowleys Quarters is $400,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Baltimore County it is $349,300.

How much does it cost to rent in Bowleys Quarters?

Typical rent in Bowleys Quarters is $1,747 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Baltimore County is $2,006.

What is the FHA loan limit in Bowleys Quarters?

Bowleys Quarters uses the FHA limit for all of Baltimore County (2026): $747,500 for a one-unit home and $1,437,500 for a four-unit home.

How much property tax do owners pay in Bowleys Quarters?

The typical homeowner in Bowleys Quarters pays $4,057 a year, according to the U.S. Census Bureau. That is 1.01% of the home’s value; in Baltimore County, the rate is 1.07%.

Where can I find free help to buy or rent in Bowleys Quarters?

There are 2 HUD-approved counseling agencies with an office in Baltimore County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).