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City · 6,567 residents · Washington County, Maryland

Fountainhead-Orchard Hills , Maryland

In Fountainhead-Orchard Hills, a typical home is worth $333,000. Compared with all of Washington County, typical household income is 33% higher, the typical home value is 12% higher, and the share of households that own their home is 22 points higher.

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  • Typical home value

    $333,000

    12% above the county

    21% below Maryland

    • Fountainhead-Orchard Hills
    • Washington
    • Maryland

  • Typical household income

    $103,340a year

    33% above the county

    About the same as Maryland

    • Fountainhead-Orchard Hills
    • Washington
    • Maryland

  • Households that own their home

    89%

    22 points above the county

    21 points above Maryland

    • Fountainhead-Orchard Hills
    • Washington
    • Maryland

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

Fountainhead-Orchard Hills is in Washington County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Washington County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fountainhead-Orchard Hills apart

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

  1. 89% of households in Fountainhead-Orchard Hills own their home, against 67% in Washington County.

  2. Nearby, in Hagerstown, the typical home value is $224,500: 33% less than in Fountainhead-Orchard Hills ($333,000).

  3. The typical household income in Fountainhead-Orchard Hills is $103,340, 33% more than in Washington County as a whole ($77,747).

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

The homes here

Housing in Fountainhead-Orchard Hills

What homes there are in Fountainhead-Orchard Hills, 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

In Fountainhead-Orchard Hills, 8 in 10 homes are single-family detached houses; in Washington County, 6.

Year built

In Fountainhead-Orchard Hills, 81% of homes have 3 bedrooms or more, more than in Washington County (67%).

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

$1,810 a month

Washington County: $1,715 a month

Without a mortgage

$583 a month

Washington County: $536 a month

Owners with a mortgage

65%

Washington County: 64%

In Fountainhead-Orchard Hills, 65% of owners have a mortgage, and their typical cost is $1,810 a month, against $1,715 in Washington County. Without one it drops to $583.

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

Much as in Washington County, the typical home value in Fountainhead-Orchard Hills rose 44% since 2015–2019.

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

MeasureFountainhead-Orchard HillsWashington CountyMarylandUnited States
Rental vacancy Unreliable estimate4.9%4.7%5.5%
Homeowner vacancy Unreliable estimate1.1%0.8%0.9%
More than one person per room Unreliable estimate2.0%2.5%3.4%
People per household 2.602.482.572.53
Drive alone 68%74%65%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate12%19%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Fountainhead-Orchard Hills look like those in Washington County: 2.60 people on average.

To get to work, 68% of workers in Fountainhead-Orchard Hills drive alone; in Washington County, 74%.

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 Fountainhead-Orchard Hills?

A typical home is tight for the typical income

We start with a typical home in Fountainhead-Orchard Hills, worth $333,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Fountainhead-Orchard Hills, which is $103,340 a year. For that payment to be 28% of income, a household would need to earn about $116,939 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Fountainhead-Orchard Hills. 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 $11,655 (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

$2,729

at 7.18% · 30 years

Loan amount
$326,969
Total interest
$470,431
Paid off in
November 2056

Includes $5,624 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,411 a month

  • Tight

    $2,411 to $3,100 a month

    Your payment · 32%

  • Hard

    more than $3,100 a month

Compared with the typical household income in Fountainhead-Orchard Hills ($103,340 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,729
Principal & interest$2,215
Property tax$228
Home insurance$139
FHA mortgage insurance (MIP)$147

You need at least $11,655 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

Fountainhead-Orchard Hills and Washington County

Fountainhead-Orchard Hills is in Washington 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).

Fountainhead-Orchard Hills's own numbers

Typical home value
$333,000
Typical yearly household income
$103,340
Households that own their home
89%
Effective property tax rate
0.82%

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

Numbers for all of Washington County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,284
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
0.9%

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 Washington County.

Everything about Washington County

Buying

Buying a home in Fountainhead-Orchard Hills

A typical home in Fountainhead-Orchard Hills is worth $333,000: 12% above the county and 21% below Maryland. With the typical household income in Fountainhead-Orchard Hills ($103,340 a year), a typical home costs 3.2 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.

  • Fountainhead-Orchard Hills 3.2 years
  • Washington 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 Washington County

According to FHFA’s house price index, home prices in Washington County rose 78% in the 10 years through 2025.

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

Period County Maryland U.S.
Last year (2025) +3.3% +2.7% +2.9%
5 years (2020–2025) +51% +40% +47%
10 years (2015–2025) +78% +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

Fountainhead-Orchard Hills next to Washington 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
  • Fountainhead-Orchard Hills $333,000
  • Washington $296,100
  • Maryland $419,900
  • United States $332,700
Typical yearly household income
  • Fountainhead-Orchard Hills $103,340
  • Washington $77,747
  • Maryland $103,678
  • United States $80,734
See the full table
Fountainhead-Orchard Hills next to Washington County and Maryland
Measure Fountainhead-Orchard Hills Washington County Maryland U.S.
Typical home value $333,000 $296,100 $419,900 $332,700
Typical yearly household income $103,340 $77,747 $103,678 $80,734
Households that own their home 89% 67% 68% 65%
Typical yearly property tax $2,729 $2,481 $4,093 $3,119
Effective property tax rate 0.82% 0.84% 0.97% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Washington 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 Fountainhead-Orchard Hills

For a typical $333,000 home in Fountainhead-Orchard Hills, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fountainhead-Orchard Hills's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,729a month

    Least cash to close
    Down payment
    $11,655
    Cash to close
    $21,645
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $147

  • Conventional, 5% down $2,668a month

    Down payment
    $16,650
    Cash to close
    $26,640
    Rate
    7.18%
    Mortgage insurance
    PMI · $158

  • Conventional, 20% down, no PMI $2,171a month

    Down payment
    $66,600
    Cash to close
    $76,590
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,479a month

    Down payment
    $49,950
    Cash to close
    $59,940
    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 Fountainhead-Orchard Hills and for Washington County.

Property tax

Effective rate in Fountainhead-Orchard Hills

0.82%of the home’s value each year

$2,729 a year for the typical owner in Fountainhead-Orchard Hills.

  • Fountainhead-Orchard Hills 0.82%
  • Washington 0.84%
  • 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 Washington County

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

Homes in the high-risk zone
0.9%
465
Of those, with NFIP insurance
44%
County Maryland U.S.
Homes in the high-risk zone 0.9% 1.2% 3.5%
Of those, with NFIP insurance 44% 74% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fountainhead-Orchard Hills

The Census Bureau publishes no typical rent for Fountainhead-Orchard Hills. Below are the fair market rents for Washington County.

HUD publishes a fair market rent for all of Washington County, by unit size. To pay the 2-bedroom one ($1,284 a month) without spending more than 30% of your income, you would need to earn $24.69 an hour working full time.

HUD fair market rent for all of Washington 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 $894 $17.19 $35,760
1 bedroom $982 $18.88 $39,280
2 bedrooms $1,284 $24.69 $51,360
3 bedrooms $1,714 $32.96 $68,560
4 bedrooms $1,923 $36.98 $76,920

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 Fountainhead-Orchard Hills

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fountainhead-Orchard Hills is in ZIP code 21742.

For 2 bedrooms it is $1,480: $196 more than the fair market rent for Washington County ($1,284).

  • 21742 $1,480$1,980

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fountainhead-Orchard Hills 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 Fountainhead-Orchard Hills

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 is 1 HUD-approved agency with an office in Washington County; 1 says it serves in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Fountainhead-Orchard Hills

No down payment, repair or rent-help program on our list is for Fountainhead-Orchard Hills or Washington County. The ones below are statewide in Maryland: they work in Fountainhead-Orchard Hills 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 Fountainhead-Orchard Hills

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

  • HAGERSTOWN NEIGHBORHOOD DEVELOPMENT PARTNERSHIP, INC.(HNDP)/ aka Hagerstown Home Store

    21 E Franklin St, Hagerstown · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (301) 797-0900

  • The City of Frederick

    100 S Market St, Frederick · 25 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (301) 600-1506

  • Housing Initiative Partnership, Inc.(hip)

    12900 Middlebrook Road, Germantown · 43 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 3 more
    (301) 916-5946

Every agency in Washington County All counseling agencies in Maryland

Help in Spanish near Fountainhead-Orchard Hills

2 of the 3 agencies on this list say they serve 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 Fountainhead-Orchard Hills

HUD’s record names them for Fountainhead-Orchard Hills or Washington County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of Washington County Section 8 vouchers (301) 791-3168

One other authority has an office in Washington County: see the list Source: HUD

Cities

Other cities in Washington County

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

Everything about Washington County Housing in Maryland

Nearby cities

The cities closest to Fountainhead-Orchard Hills, with the typical home value.

Neighboring counties

If Washington 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 Fountainhead-Orchard Hills.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Fountainhead-Orchard Hills

Short answers with the numbers for Fountainhead-Orchard Hills and all of Washington 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 Fountainhead-Orchard Hills?

The typical home value in Fountainhead-Orchard Hills is $333,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Washington County it is $296,100.

What is the FHA loan limit in Fountainhead-Orchard Hills?

Fountainhead-Orchard Hills uses the FHA limit for all of Washington County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Fountainhead-Orchard Hills?

The typical homeowner in Fountainhead-Orchard Hills pays $2,729 a year, according to the U.S. Census Bureau. That is 0.82% of the home’s value; in Washington County, the rate is 0.84%.

Where can I find free help to buy or rent in Fountainhead-Orchard Hills?

There is 1 HUD-approved counseling agency with an office in Washington County. 1 says it serves in Spanish. 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).