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City · 14,014 residents · Prince George's County, Maryland

Kettering , Maryland

In Kettering, a typical home is worth $418,500 and typical rent is $2,297 a month. Compared with all of Prince George's County, typical rent is 28% higher, typical household income is 25% higher, and the share of households that own their home is 23 points higher.

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  • Typical home value

    $418,500

    About the same as the county

    About the same as Maryland

    • Kettering
    • Prince George's
    • Maryland

  • Typical rent

    $2,297a month

    28% above the county

    35% above Maryland

    • Kettering
    • Prince George's
    • Maryland

  • Typical household income

    $126,938a year

    25% above the county

    22% above Maryland

    • Kettering
    • Prince George's
    • Maryland

  • Households that own their home

    86%

    23 points above the county

    18 points above Maryland

    • Kettering
    • Prince George's
    • Maryland

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

Kettering is in Prince George's County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Prince George's County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Kettering apart

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

  1. 86% of households in Kettering own their home, against 62% in Prince George's County.

  2. The typical rent in Kettering is $2,297 a month, 28% more than in Prince George's County as a whole ($1,799).

  3. The typical household income in Kettering is $126,938, 25% more than in Prince George's County as a whole ($101,798).

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

The homes here

Housing in Kettering

What homes there are in Kettering, 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 Kettering, 5 in 10 homes are single-family detached houses, about the same as in Prince George's County.

Year built

Homes in Kettering are newer: the typical year built is 1989; in Prince George's County, 1977.

There is more room for a big family here: 79% of homes have 3 bedrooms or more, against 64% in Prince George's County.

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

$2,272 a month

Prince George's County: $2,456 a month

Without a mortgage

$916 a month

Prince George's County: $823 a month

Owners with a mortgage

82%

Prince George's County: 78%

In Kettering, 82% of owners have a mortgage, and their typical cost is $2,272 a month, against $2,456 in Prince George's County. Without one it drops to $916.

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 Prince George's County, the typical home value in Kettering rose 39% since 2015–2019.

Since 2015–2019, the typical rent in Kettering rose 27%, more than in Prince George's County (22%).

While home values in Kettering changed +39% and rent +27%, the typical household income rose 36%.

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

MeasureKetteringPrince George's CountyMarylandUnited States
Rental vacancy Unreliable estimate4.7%4.7%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate5.1%2.5%3.4%
People per household 2.352.702.572.53
Drive alone 66%60%65%69%
Carpool 9%10%8%9%
Public transit 6%7%4%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 18%18%19%15%
Other means Unreliable estimate3%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Kettering has 2.35 people, fewer than in Prince George's County (2.70).

To get to work, 66% of workers in Kettering drive alone; in Prince George's County, 60%.

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 Kettering?

A typical home is tight for the typical income

We start with a typical home in Kettering, worth $418,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Kettering, which is $126,938 a year. For that payment to be 28% of income, a household would need to earn about $151,000 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Kettering. 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 $14,648 (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

$3,523

at 7.18% · 30 years

Loan amount
$410,919
Total interest
$591,217
Paid off in
November 2056

Includes $7,067 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,962 a month

  • Tight

    $2,962 to $3,808 a month

    Your payment · 33%

  • Hard

    more than $3,808 a month

Compared with the typical household income in Kettering ($126,938 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,523
Principal & interest$2,784
Property tax$380
Home insurance$174
FHA mortgage insurance (MIP)$185

You need at least $14,648 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

Kettering and Prince George's County

Kettering is in Prince George's 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).

Kettering's own numbers

Typical home value
$418,500
Typical monthly rent
$2,297
Typical yearly household income
$126,938
Households that own their home
86%
Effective property tax rate
1.09%

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

Numbers for all of Prince George's County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$2,438
Price change over 5 years (FHFA)
+38%
Homes in a high flood-risk zone
0.4%

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 Prince George's County.

Everything about Prince George's County

Buying

Buying a home in Kettering

A typical home in Kettering is worth $418,500: about the same as the county and about the same as Maryland. With the typical household income in Kettering ($126,938 a year), a typical home costs 3.3 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.

  • Kettering 3.3 years
  • Prince George's 4.2 years
  • Maryland 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Prince George's County

According to FHFA’s house price index, home prices in Prince George's County rose 77% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Prince George's County.

Period County Maryland U.S.
Last year (2025) +2.8% +2.7% +2.9%
5 years (2020–2025) +38% +40% +47%
10 years (2015–2025) +77% +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

Kettering next to Prince George's 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
  • Kettering $418,500
  • Prince George's $426,000
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Kettering $2,297
  • Prince George's $1,799
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Kettering $126,938
  • Prince George's $101,798
  • Maryland $103,678
  • United States $80,734
See the full table
Kettering next to Prince George's County and Maryland
Measure Kettering Prince George's County Maryland U.S.
Typical home value $418,500 $426,000 $419,900 $332,700
Typical monthly rent $2,297 $1,799 $1,705 $1,413
Typical yearly household income $126,938 $101,798 $103,678 $80,734
Households that own their home 86% 62% 68% 65%
Typical yearly property tax $4,541 $4,771 $4,093 $3,119
Effective property tax rate 1.09% 1.12% 0.97% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Prince George's 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 Kettering

For a typical $418,500 home in Kettering, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kettering's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,523a month

    Least cash to close
    Down payment
    $14,648
    Cash to close
    $27,203
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $185

  • Conventional, 5% down $3,447a month

    Down payment
    $20,925
    Cash to close
    $33,480
    Rate
    7.18%
    Mortgage insurance
    PMI · $199

  • Conventional, 20% down, no PMI $2,823a month

    Down payment
    $83,700
    Cash to close
    $96,255
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,209a month

    Down payment
    $62,775
    Cash to close
    $75,330
    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 Kettering and for Prince George's County.

Property tax

Effective rate in Kettering

1.09%of the home’s value each year

$4,541 a year for the typical owner in Kettering.

  • Kettering 1.09%
  • Prince George's 1.12%
  • 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 Prince George's County

FEMA does not publish these numbers by city: they are for all of Prince George's County.

Homes in the high-risk zone
0.4%
905
Of those, with NFIP insurance
—
County Maryland U.S.
Homes in the high-risk zone 0.4% 1.2% 3.5%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Kettering

Typical rent in Kettering is $2,297 a month: 28% above the county.

HUD publishes a fair market rent for all of Prince George's County, by unit size. To pay the 2-bedroom one ($2,438 a month) without spending more than 30% of your income, you would need to earn $46.88 an hour working full time.

HUD fair market rent for all of Prince George's 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 $2,111 $40.60 $84,440
1 bedroom $2,204 $42.38 $88,160
2 bedrooms $2,438 $46.88 $97,520
3 bedrooms $3,107 $59.75 $124,280
4 bedrooms $3,658 $70.35 $146,320

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 Kettering

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kettering is in ZIP code 20774.

For 2 bedrooms it is $2,700: $262 more than the fair market rent for Prince George's County ($2,438).

  • 20774 $2,700$3,440

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

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 7 HUD-approved agencies with an office in Prince George's County; 5 say they serve in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Kettering

No down payment, repair or rent-help program on our list is for Kettering or Prince George's County. The ones below are statewide in Maryland: they work in Kettering 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 Kettering

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

  • Homefree-USA of the Washington DC Metropolitan Area

    8401 Corporate Dr, Landover · 6 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (301) 891-8400

  • United Communities Against Poverty

    1400 Doewood Ln, Capitol Heights · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (301) 322-5700

  • Seed - Sowing Empowerment & Economic Development , Inc.

    6201 Riverdale Rd, Riverdale · 8 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (301) 458-9808

Every agency in Prince George's County All counseling agencies in Maryland

Help in Spanish near Kettering

3 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 Kettering

In HUD’s record, no housing authority with an office in Prince George's County is named for Kettering or Prince George's County.

4 other authorities have an office in Prince George's County: see the list Source: HUD

Cities

Other cities in Prince George's County

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

Everything about Prince George's County Housing in Maryland
See 39 more cities in Prince George's County, with prices and rents

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

Nearby cities

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

Neighboring counties

If Prince George's 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 Kettering.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Kettering

Short answers with the numbers for Kettering and all of Prince George's 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 Kettering?

The typical home value in Kettering is $418,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Prince George's County it is $426,000.

How much does it cost to rent in Kettering?

Typical rent in Kettering is $2,297 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Prince George's County is $2,438.

What is the FHA loan limit in Kettering?

Kettering uses the FHA limit for all of Prince George's County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Kettering?

The typical homeowner in Kettering pays $4,541 a year, according to the U.S. Census Bureau. That is 1.09% of the home’s value; in Prince George's County, the rate is 1.12%.

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

There are 7 HUD-approved counseling agencies with an office in Prince George's County. 5 say they serve 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).