In Fulton, a typical home is worth $913,100 and typical rent is $3,074 a month. Compared with all of Howard County, the typical home value is 53% higher, typical household income is 48% higher, and the share of households that own their home is 8 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $806,254 to $971,629.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Fulton is in Howard 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 Howard County. See the county
What this place has that others do not, from public data, most unusual first.
1
Fulton has the 4th highest typical household income of the 202 cities in Maryland with more than 5,000 people ($222,039).
2
Nearby, in Ashton-Sandy Spring, the typical rent is $1,369: 55% less than in Fulton ($3,074).
3
Nearby, in North Laurel, the typical home value is $450,100: 51% less than in Fulton ($913,100).
4
The typical home in Fulton is worth $913,100,53% more than in Howard County as a whole ($597,900).
5
The typical rent in Fulton is $3,074 a month, 46% more than in Howard County as a whole ($2,099).
6
80% of households in Fulton own their home, against 71% in Howard County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Fulton
What homes there are in Fulton, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Fulton
Howard County
Maryland
United States
Kind of home: Fulton and its comparisons
Measure
Fulton
Howard County
Maryland
United States
Detached house
38%
50%
51%
61%
Attached house
37%
22%
21%
6%
Building of 2 to 4
Unreliable estimate
2%
4%
8%
Apartments (5 or more)
Unreliable estimate
25%
23%
19%
Mobile home
Unreliable estimate
1%
1%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Fulton there is a bit of everything: no kind of home reaches half. The most common are detached houses (38%); in Howard County, 50%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Fulton
Howard County
Maryland
United States
Year built: Fulton and its comparisons
Measure
Fulton
Howard County
Maryland
United States
Before 1960
Unreliable estimate
6%
26%
26%
1960–1979
Unreliable estimate
24%
25%
24%
1980–1999
Unreliable estimate
42%
28%
25%
2000–2009
24%
14%
12%
14%
2010 or later
71%
15%
9%
11%
Here half of the homes date from 2013 or later; in Howard County, from 1989 or later.
In Fulton, 82% of homes have 3 bedrooms or more, more than in Howard County (71%).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750K20%
$750K–$1M30%
$1M or more40%
Value of owner-occupied homes: Fulton and its comparisons
Measure
Fulton
Under $100K
Unreliable estimate
$100K–$200K
Unreliable
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
20%
$750K–$1M
30%
$1M or more
40%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or more54%
Monthly rent with utilities: Fulton and its comparisons
Measure
Fulton
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
54%
With a mortgage
$3,966 a month
Howard County: $3,021 a month
Without a mortgage
$1,252 a month
Howard County: $1,044 a month
Owners with a mortgage
85%
Howard County: 72%
Owning costs more in Fulton: with a mortgage, the typical cost is $3,966 a month; in Howard County, $3,021. Without one, $1,252.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Fulton+42%
Howard County+31%
Maryland+33%
United States+53%
Typical household income
FultonNo clear change
Howard County+24%
Maryland+22%
United States+29%
Change since 2015–2019: Fulton and its comparisons
Measure
Fulton
Howard County
Maryland
United States
Typical home value
+42%
+31%
+33%
+53%
Typical rent
No data
+22%
+23%
+33%
Typical household income
No clear change
+24%
+22%
+29%
The typical home value in Fulton rose 42% since 2015–2019, more than in Howard County (31%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Fulton and its comparisons
Measure
Fulton
Howard County
Maryland
United States
Rental vacancy
Unreliable estimate
5.3%
4.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.8%
2.5%
3.4%
People per household
2.90
2.76
2.57
2.53
Drive alone
50%
65%
65%
69%
Carpool
Unreliable estimate
5%
8%
9%
Public transit
Unreliable estimate
2%
4%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
39%
26%
19%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 2.90 on average, against 2.76 in Howard County.
In Fulton, 39% of workers work from home, more than in Howard County (26%).
Do the math
What would you pay each month for a home in Fulton?
A typical home costs more than the typical income allows
We start with a typical home in Fulton, worth $913,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Fulton, which is $222,039 a year. For that payment to be 28% of income, a household would need to earn about $336,077 a year. Note: at that price the loan is above the FHA limit for Howard County ($747,500), so FHA would not insure it; the payment is only a reference.
The calculator's FHA and conventional loan limits are those of all of Howard County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Fulton. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $31,959 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$7,842
at 7.18% · 30 years
Loan amount
$896,561
Total interest
$1,289,941
Paid off in
November 2056
Includes $15,420 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $5,181 a month
Tight
$5,181 to $6,661 a month
Hard
more than $6,661 a month
Your payment · 42%
Compared with the typical household income in Fulton ($222,039 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$6,074
Property tax
$837
Home insurance
$381
FHA mortgage insurance (MIP)
$551
This loan is over the FHA limit
You'd borrow $881,141, but the FHA limit for a one-unit home in Fulton is $747,500. You'd need a bigger down payment or a different loan.
You need at least $31,959 for the down payment, plus closing costs.
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.
Total monthly payment $7,842; principal and interest $6,074.
The city and its county
Fulton and Howard County
Fulton is in Howard 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).
Fulton
Map of Howard County, Maryland, with Fulton marked. Around it, the neighboring counties.
Fulton
Howard County
Other cities with a page
Fulton's own numbers
Typical home value
$913,100
Typical monthly rent
$3,074
Typical yearly household income
$222,039
Households that own their home
80%
Effective property tax rate
1.1%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Howard 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)
+40%
Homes in a high flood-risk zone
0.3%
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 Howard County.
A typical home in Fulton is worth $913,100: 53% above the county and 117% above Maryland. With the typical household income in Fulton ($222,039 a year), a typical home costs 4.1 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.
Fulton4.1 years
Howard4.0 years
Maryland4.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Howard County
According to FHFA’s house price index, home prices in Howard County rose 53% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Howard County.
Yearly change in FHFA’s price index in Howard County, 2016 to 2025
2016: +1.7% +1.7% 2016
2017: +2.0% +2.0% 2017
2018: +1.8% +1.8% 2018
2019: +1.9% +1.9% 2019
2020: +1.6% +1.6% 2020
2021: +7.5% +7.5% 2021
2022: +11.6% +11.6% 2022
2023: +7.4% +7.4% 2023
2024: +6.3% +6.3% 2024
2025: +2.0% +2.0% 2025
Change in FHFA’s price index in Howard County, Maryland and the United States
Period
County
Maryland
U.S.
Last year (2025)
+2.0%
+2.7%
+2.9%
5 years (2020–2025)
+40%
+40%
+47%
10 years (2015–2025)
+53%
+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
Fulton next to Howard 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
Fulton$913,100
Howard$597,900
Maryland$419,900
United States$332,700
Typical monthly rent
Fulton$3,074
Howard$2,099
Maryland$1,705
United States$1,413
Typical yearly household income
Fulton$222,039
Howard$149,763
Maryland$103,678
United States$80,734
See the full table
Fulton next to Howard County and Maryland
Measure
Fulton
Howard County
Maryland
U.S.
Typical home value
$913,100 ▲53% above the county
$597,900
$419,900
$332,700
Typical monthly rent
$3,074 ▲46% above the county
$2,099
$1,705
$1,413
Typical yearly household income
$222,039 ▲48% above the county
$149,763
$103,678
$80,734
Households that own their home
80% ▲8 points above the county
71%
68%
65%
Typical yearly property tax
$10,001 ▲43% above the county
$6,987
$4,093
$3,119
Effective property tax rate
1.1% ▼0.07 points below the county
1.17%
0.97%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Howard 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 Fulton
For a typical $913,100 home in Fulton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fulton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$7,842a month
Above the FHA limit for Howard County ($747,500)
Down payment
$31,959
Cash to close
$59,352
Rate
7.18%
Mortgage insurance
FHA MIP · $551
Conventional, 5% down$7,528a month
Above the conventional limit for Howard County ($832,750): it would be a "jumbo" loan
Down payment
$45,655
Cash to close
$73,048
Rate
7.18%
Mortgage insurance
PMI · $434
Conventional, 20% down, no PMI$6,166a month
Least cash to close
Down payment
$182,620
Cash to close
$210,013
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$7,010a month
Down payment
$136,965
Cash to close
$164,358
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Fulton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Howard County ($747,500)
$7,842
$31,959
$896,561
7.18%
FHA MIP · $551
$59,352
580
Conventional, 5% down Above the conventional limit for Howard County ($832,750): it would be a "jumbo" loan
$7,528
$45,655
$867,445
7.18%
PMI · $434
$73,048
620*
Conventional, 20% down, no PMI Least cash to close
$6,166
$182,620
$730,480
7.18%
None
$210,013
620*
ITIN, 15% down (example)
$7,010
$136,965
$776,135
8.18%
None
$164,358
Set by the lender
The option that asks for the least cash to close is Conventional, 20% down, no PMI.
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.
Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Fulton and for Howard County.
Property tax
Effective rate in Fulton
1.1%of the home’s value each year
$10,001 a year for the typical owner in Fulton.
Fulton1.1%
Howard1.17%
Maryland0.97%
What Maryland publishesHomestead tax credit (cap on yearly assessment increases) (Maryland General Assembly (Annotated Code of Maryland, Tax-Property Article))
Typical rent in Fulton is $3,074 a month: 46% above the county.
HUD publishes a fair market rent for all of Howard 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Howard County (Fiscal year 2027)
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 Fulton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fulton is in ZIP code 20759.
For 2 bedrooms it is $2,570: $564 more than the fair market rent for Howard County ($2,006).
Fair market rent by ZIP code and size in Fulton, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
20759
$2,090
$2,200
$2,570
$3,240
$3,710
ZIP code2 bd3 bd
20759 $2,570$3,240
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fulton 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
We found no HUD-approved agencies with an office in Howard County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Fulton or Howard County. The ones below are statewide in Maryland: they work in Fulton the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Fulton or Howard County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Fulton and all of Howard 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 Fulton?
The typical home value in Fulton is $913,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Howard County it is $597,900.
How much does it cost to rent in Fulton?
Typical rent in Fulton is $3,074 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Howard County is $2,006.
What is the FHA loan limit in Fulton?
Fulton uses the FHA limit for all of Howard 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 Fulton?
The typical homeowner in Fulton pays $10,001 a year, according to the U.S. Census Bureau. That is 1.1% of the home’s value; in Howard County, the rate is 1.17%.
Where can I find free help to buy or rent in Fulton?
We found no HUD-approved counseling agencies with an office in Howard County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
