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City · 5,801 residents · Wicomico County, Maryland

Fruitland , Maryland

In Fruitland, a typical home is worth $227,200 and typical rent is $1,586 a month. Compared with all of Wicomico County, typical rent is 20% higher, typical household income is 16% lower, and the share of households that own their home is 5 points higher.

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  • Typical home value

    $227,200

    11% below the county

    46% below Maryland

    • Fruitland
    • Wicomico
    • Maryland

  • Typical rent

    $1,586a month

    20% above the county

    7% below Maryland

    • Fruitland
    • Wicomico
    • Maryland

  • Typical household income

    $64,004a year

    16% below the county

    38% below Maryland

    • Fruitland
    • Wicomico
    • Maryland

  • Households that own their home

    68%

    5 points above the county

    About the same as Maryland

    • Fruitland
    • Wicomico
    • Maryland

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

Market now, with Zillow data

Zillow data
Typical home value
$252,956
0.7% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Fruitland is in Wicomico 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 Wicomico County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fruitland apart

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

  1. Fruitland has the 7th lowest typical home value of the 202 cities in Maryland with more than 5,000 people ($227,200).

  2. Nearby, in Cambridge, the typical rent is $1,058: 33% less than in Fruitland ($1,586).

  3. Fruitland has the 9th largest share of rent-burdened renters of the 170 cities in Maryland with more than 5,000 people (70%).

  4. Fruitland has the 13th lowest typical household income of the 202 cities in Maryland with more than 5,000 people ($64,004).

  5. The typical rent in Fruitland is $1,586 a month, 20% more than in Wicomico County as a whole ($1,327).

  6. 68% of households in Fruitland own their home, against 62% in Wicomico County.

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

The homes here

Housing in Fruitland

What homes there are in Fruitland, 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 Fruitland: 80% of homes, more than in Wicomico County (70%).

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

$1,677 a month

Wicomico County: $1,654 a month

Without a mortgage

$585 a month

Wicomico County: $579 a month

Owners with a mortgage

63%

Wicomico County: 65%

The typical cost for an owner with a mortgage in Fruitland is $1,677 a month, near the figure in Wicomico County ($1,654).

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 Fruitland rose 35%; in Wicomico County, it rose 45%.

Rent in Fruitland moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureFruitlandWicomico CountyMarylandUnited States
Rental vacancy Unreliable estimate3.5%4.7%5.5%
Homeowner vacancy Unreliable estimate1.7%0.8%0.9%
More than one person per room Unreliable estimate2.5%2.5%3.4%
People per household 2.872.492.572.53
Drive alone 80%79%65%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimateUnreliable estimate4%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 9%8%19%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Fruitland has 2.87 people, more than in Wicomico County (2.49).

The car rules in Fruitland: 80% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Fruitland?

A typical home costs more than the typical income allows

We start with a typical home in Fruitland, worth $227,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Fruitland, which is $64,004 a year. For that payment to be 28% of income, a household would need to earn about $82,869 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Fruitland. 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 $7,952 (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

$1,934

at 7.18% · 30 years

Loan amount
$223,085
Total interest
$320,967
Paid off in
November 2056

Includes $3,837 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,493 a month

  • Tight

    $1,493 to $1,920 a month

  • Hard

    more than $1,920 a month

    Your payment · 36%

Compared with the typical household income in Fruitland ($64,004 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,934
Principal & interest$1,511
Property tax$227
Home insurance$95
FHA mortgage insurance (MIP)$100

You need at least $7,952 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

Fruitland and Wicomico County

Fruitland is in Wicomico 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).

Fruitland's own numbers

Typical home value
$227,200
Typical monthly rent
$1,586
Typical yearly household income
$64,004
Households that own their home
68%
Effective property tax rate
1.2%

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

Numbers for all of Wicomico County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,428
Price change over 5 years (FHFA)
+58%
Homes in a high flood-risk zone
1.9%

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 Wicomico County.

Everything about Wicomico County

Buying

Buying a home in Fruitland

A typical home in Fruitland is worth $227,200: 11% below the county and 46% below Maryland. With the typical household income in Fruitland ($64,004 a year), a typical home costs 3.5 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.

  • Fruitland 3.5 years
  • Wicomico 3.3 years
  • Maryland 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Wicomico County

According to FHFA’s house price index, home prices in Wicomico County rose 92% in the 10 years through 2025.

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

Period County Maryland U.S.
Last year (2025) +5.7% +2.7% +2.9%
5 years (2020–2025) +58% +40% +47%
10 years (2015–2025) +92% +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

Fruitland next to Wicomico 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
  • Fruitland $227,200
  • Wicomico $254,700
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Fruitland $1,586
  • Wicomico $1,327
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Fruitland $64,004
  • Wicomico $76,210
  • Maryland $103,678
  • United States $80,734
See the full table
Fruitland next to Wicomico County and Maryland
Measure Fruitland Wicomico County Maryland U.S.
Typical home value $227,200 $254,700 $419,900 $332,700
Typical monthly rent $1,586 $1,327 $1,705 $1,413
Typical yearly household income $64,004 $76,210 $103,678 $80,734
Households that own their home 68% 62% 68% 65%
Typical yearly property tax $2,716 $2,171 $4,093 $3,119
Effective property tax rate 1.2% 0.85% 0.97% 0.94%
Renters with high rent for their income 70% 50% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Wicomico 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 Fruitland

For a typical $227,200 home in Fruitland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fruitland's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,934a month

    Least cash to close
    Down payment
    $7,952
    Cash to close
    $14,768
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $100

  • Conventional, 5% down $1,892a month

    Down payment
    $11,360
    Cash to close
    $18,176
    Rate
    7.18%
    Mortgage insurance
    PMI · $108

  • Conventional, 20% down, no PMI $1,553a month

    Down payment
    $45,440
    Cash to close
    $52,256
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,763a month

    Down payment
    $34,080
    Cash to close
    $40,896
    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 Fruitland and for Wicomico County.

Property tax

Effective rate in Fruitland

1.2%of the home’s value each year

$2,716 a year for the typical owner in Fruitland.

  • Fruitland 1.2%
  • Wicomico 0.85%
  • 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 Wicomico County

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

Homes in the high-risk zone
1.9%
701
Of those, with NFIP insurance
35%
County Maryland U.S.
Homes in the high-risk zone 1.9% 1.2% 3.5%
Of those, with NFIP insurance 35% 74% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fruitland

Typical rent in Fruitland is $1,586 a month: 20% above the county. In Fruitland, 70% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Wicomico County, by unit size. To pay the 2-bedroom one ($1,428 a month) without spending more than 30% of your income, you would need to earn $27.46 an hour working full time.

HUD fair market rent for all of Wicomico 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 $1,095 $21.06 $43,800
1 bedroom $1,102 $21.19 $44,080
2 bedrooms $1,428 $27.46 $57,120
3 bedrooms $1,870 $35.96 $74,800
4 bedrooms $1,877 $36.10 $75,080

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 Fruitland

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fruitland is in ZIP code 21826.

For 2 bedrooms it is $1,670: $242 more than the fair market rent for Wicomico County ($1,428).

  • 21826 $1,670$2,190

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fruitland 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?

Low-income apartments

Low-income apartments in Fruitland

HUD lists 2 buildings with rents for lower incomes in Fruitland. These are the largest.

  • Fruitland 216 Poplar St, Fruitland 21826 36 low-income homes · For families (410) 621-0806
  • Summit Apartments 115 Church St, Fruitland 21826 10 low-income homes · For families (410) 546-9546

See all 35 buildings in Wicomico County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Fruitland

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 Wicomico County; 1 says it serves in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Fruitland

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

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

  • Salisbury Neighborhood Housing Service, Inc

    560 Riverside Dr Ste A102, Salisbury · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (410) 543-4626

  • Telamon Corporation - Salisbury Branch

    31901 Tri County Way, Salisbury · 8 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (919) 899-9911

  • Habitat for Humanity Choptank

    29349 Maple Ave, Trappe · 33 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 8 more
    (410) 476-3204

Every agency in Wicomico County All counseling agencies in Maryland

Help in Spanish near Fruitland

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 Fruitland

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

  • Wicomico County Housing Authority Public housing and Section 8 vouchers (410) 749-1383

All housing agencies in Maryland Source: HUD

Cities

Other cities in Wicomico County

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

Everything about Wicomico County Housing in Maryland

Nearby cities

The cities closest to Fruitland, with the typical home value.

Neighboring counties

If Wicomico 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 Fruitland.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Fruitland

Short answers with the numbers for Fruitland and all of Wicomico 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 Fruitland?

The typical home value in Fruitland is $227,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Wicomico County it is $254,700.

How much does it cost to rent in Fruitland?

Typical rent in Fruitland is $1,586 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Wicomico County is $1,428.

What is the FHA loan limit in Fruitland?

Fruitland uses the FHA limit for all of Wicomico 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 Fruitland?

The typical homeowner in Fruitland pays $2,716 a year, according to the U.S. Census Bureau. That is 1.2% of the home’s value; in Wicomico County, the rate is 0.85%.

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

There are 2 HUD-approved counseling agencies with an office in Wicomico 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).