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City · 19,186 residents · Anne Arundel County, Maryland

Maryland City , Maryland

In Maryland City, a typical home is worth $424,900 and typical rent is $2,421 a month. Compared with all of Anne Arundel County, typical rent is 17% higher, the typical home value is 9% lower, and the share of households that own their home is 14 points lower.

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  • Typical home value

    $424,900

    9% below the county

    About the same as Maryland

    • Maryland City
    • Anne Arundel
    • Maryland

  • Typical rent

    $2,421a month

    17% above the county

    42% above Maryland

    • Maryland City
    • Anne Arundel
    • Maryland

  • Typical household income

    $117,337a year

    6% below the county

    13% above Maryland

    • Maryland City
    • Anne Arundel
    • Maryland

  • Households that own their home

    61%

    14 points below the county

    7 points below Maryland

    • Maryland City
    • Anne Arundel
    • Maryland

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

Maryland City is in Anne Arundel 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 Anne Arundel County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Maryland City apart

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

  1. Nearby, in South Laurel, the typical rent is $1,830: 24% less than in Maryland City ($2,421).

  2. 61% of households in Maryland City own their home, against 75% in Anne Arundel County.

  3. The typical rent in Maryland City is $2,421 a month, 17% more than in Anne Arundel County as a whole ($2,071).

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

The homes here

Housing in Maryland City

What homes there are in Maryland City, 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 Maryland City there is a bit of everything: no kind of home reaches half. The most common are attached houses (townhouses) (37%), more than in Anne Arundel County (21%).

There are more mobile homes here than in Anne Arundel County: 4% of homes, against 1%.

Year built

Here half of the homes date from 1992 or later; in Anne Arundel County, from 1983 or later.

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

$2,295 a month

Anne Arundel County: $2,454 a month

Without a mortgage

$701 a month

Anne Arundel County: $751 a month

Owners with a mortgage

80%

Anne Arundel County: 74%

The typical cost for an owner with a mortgage in Maryland City is $2,295 a month, less than in Anne Arundel County ($2,454); without one, $701.

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

The typical home value in Maryland City rose 35% since 2015–2019, more than in Anne Arundel County (30%).

Rents in Maryland City rose faster than in Anne Arundel County: 33% since 2015–2019, against 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

MeasureMaryland CityAnne Arundel CountyMarylandUnited States
Rental vacancy Unreliable estimate5.0%4.7%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate1.9%2.5%3.4%
People per household 2.602.602.572.53
Drive alone 70%70%65%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimate2%4%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 22%19%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 Maryland City look like those in Anne Arundel County: 2.60 people on average.

Many people here do not commute at all: 22% work from home; in Anne Arundel County, 19%.

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 Maryland City?

A typical home is tight for the typical income

We start with a typical home in Maryland City, worth $424,900, 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 Maryland City, which is $117,337 a year. For that payment to be 28% of income, a household would need to earn about $149,212 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Maryland City. 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 $14,872 (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

$3,482

at 7.18% · 30 years

Loan amount
$417,203
Total interest
$600,258
Paid off in
November 2056

Includes $7,175 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,738 a month

  • Tight

    $2,738 to $3,520 a month

    Your payment · 36%

  • Hard

    more than $3,520 a month

Compared with the typical household income in Maryland City ($117,337 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,482
Principal & interest$2,826
Property tax$290
Home insurance$177
FHA mortgage insurance (MIP)$188

You need at least $14,872 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

Maryland City and Anne Arundel County

Maryland City is in Anne Arundel 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).

Maryland City's own numbers

Typical home value
$424,900
Typical monthly rent
$2,421
Typical yearly household income
$117,337
Households that own their home
61%
Effective property tax rate
0.82%

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

Numbers for all of Anne Arundel 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%
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 Anne Arundel County.

Everything about Anne Arundel County

Buying

Buying a home in Maryland City

A typical home in Maryland City is worth $424,900: 9% below the county and about the same as Maryland. With the typical household income in Maryland City ($117,337 a year), a typical home costs 3.6 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.

  • Maryland City 3.6 years
  • Anne Arundel 3.7 years
  • Maryland 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Anne Arundel County

According to FHFA’s house price index, home prices in Anne Arundel County rose 59% in the 10 years through 2025.

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

Period County Maryland U.S.
Last year (2025) +3.4% +2.7% +2.9%
5 years (2020–2025) +39% +40% +47%
10 years (2015–2025) +59% +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

Maryland City next to Anne Arundel 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
  • Maryland City $424,900
  • Anne Arundel $467,900
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Maryland City $2,421
  • Anne Arundel $2,071
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Maryland City $117,337
  • Anne Arundel $124,911
  • Maryland $103,678
  • United States $80,734
See the full table
Maryland City next to Anne Arundel County and Maryland
Measure Maryland City Anne Arundel County Maryland U.S.
Typical home value $424,900 $467,900 $419,900 $332,700
Typical monthly rent $2,421 $2,071 $1,705 $1,413
Typical yearly household income $117,337 $124,911 $103,678 $80,734
Households that own their home 61% 75% 68% 65%
Typical yearly property tax $3,502 $3,957 $4,093 $3,119
Effective property tax rate 0.82% 0.85% 0.97% 0.94%
Renters with high rent for their income 56% 47% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Anne Arundel 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 Maryland City

For a typical $424,900 home in Maryland City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Maryland City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,482a month

    Least cash to close
    Down payment
    $14,872
    Cash to close
    $27,619
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $188

  • Conventional, 5% down $3,404a month

    Down payment
    $21,245
    Cash to close
    $33,992
    Rate
    7.18%
    Mortgage insurance
    PMI · $202

  • Conventional, 20% down, no PMI $2,770a month

    Down payment
    $84,980
    Cash to close
    $97,727
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,163a month

    Down payment
    $63,735
    Cash to close
    $76,482
    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 Maryland City and for Anne Arundel County.

Property tax

Effective rate in Maryland City

0.82%of the home’s value each year

$3,502 a year for the typical owner in Maryland City.

  • Maryland City 0.82%
  • Anne Arundel 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 Anne Arundel County

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

Homes in the high-risk zone
0.9%
1,499
Of those, with NFIP insurance
—
County Maryland U.S.
Homes in the high-risk zone 0.9% 1.2% 3.5%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Maryland City

Typical rent in Maryland City is $2,421 a month: 17% above the county. In Maryland City, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Anne Arundel 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 Anne Arundel 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 Maryland City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Maryland City is in ZIP code 20724.

For 2 bedrooms it is $2,840: $834 more than the fair market rent for Anne Arundel County ($2,006).

  • 20724 $2,840$3,550

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

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 Anne Arundel County; 2 say they serve in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Maryland City

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

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

  • Latino Economic Development Corporation

    12520 Prosperity Dr, Silver Spring · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 1 more
    (202) 540-7426

  • Centro de Apoyo Familiar (CAF) MD

    6801 Kenilworth Ave Ste 110, Riverdale · 11 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (301) 328-3292

  • Homefree-USA of the Washington DC Metropolitan Area

    8401 Corporate Dr, Landover · 11 miles away · Spanish

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

Every agency in Anne Arundel County All counseling agencies in Maryland

Help in Spanish near Maryland City

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 Maryland City

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

  • Housing Commisson Of Anne Arundel County Public housing and Section 8 vouchers (410) 222-6205

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

Cities

Other cities in Anne Arundel County

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

Everything about Anne Arundel County Housing in Maryland
See 9 more cities in Anne Arundel County, with prices and rents

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

Nearby cities

The cities closest to Maryland City, with the typical home value.

Neighboring counties

If Anne Arundel 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 Maryland City.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Maryland City

Short answers with the numbers for Maryland City and all of Anne Arundel 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 Maryland City?

The typical home value in Maryland City is $424,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Anne Arundel County it is $467,900.

How much does it cost to rent in Maryland City?

Typical rent in Maryland City is $2,421 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Anne Arundel County is $2,006.

What is the FHA loan limit in Maryland City?

Maryland City uses the FHA limit for all of Anne Arundel 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 Maryland City?

The typical homeowner in Maryland City pays $3,502 a year, according to the U.S. Census Bureau. That is 0.82% of the home’s value; in Anne Arundel County, the rate is 0.85%.

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

There are 2 HUD-approved counseling agencies with an office in Anne Arundel County. 2 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).