Español

Este sitio también está en español. Leer en español

City · 25,582 residents · Baltimore County, Maryland

Reisterstown , Maryland

In Reisterstown, a typical home is worth $358,700 and typical rent is $1,600 a month. Compared with all of Baltimore County, typical household income is 7% lower.

WhatsApp

  • Typical home value

    $358,700

    3% above the county

    15% below Maryland

    • Reisterstown
    • Baltimore
    • Maryland

  • Typical rent

    $1,600a month

    About the same as the county

    6% below Maryland

    • Reisterstown
    • Baltimore
    • Maryland

  • Typical household income

    $85,543a year

    7% below the county

    17% below Maryland

    • Reisterstown
    • Baltimore
    • Maryland

  • Households that own their home

    66%

    About the same as the county

    1 points below Maryland

    • Reisterstown
    • Baltimore
    • Maryland

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

Market now, with Zillow data

Zillow data
Typical home value
$411,138
0.8% more than 12 months ago
Typical rent
$1,473 a month
3.5% more than 12 months ago

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

Reisterstown is in Baltimore 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 Baltimore County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Reisterstown apart

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

  1. Nearby, in Milford Mill, the typical home value is $273,600: 24% less than in Reisterstown ($358,700).

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

The homes here

Housing in Reisterstown

What homes there are in Reisterstown, 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 Reisterstown there is a bit of everything: no kind of home reaches half. The most common are detached houses (47%), as in Baltimore County.

Year built

Here half of the homes date from 1981 or later; in Baltimore County, from 1973 or later.

Homes in Reisterstown are bigger: 67% have 3 bedrooms or more; in Baltimore County, 63%.

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

About 99% of owner-occupied homes in Reisterstown are worth less than the FHA loan limit for Baltimore County ($747,500).

Monthly rent with utilities

With a mortgage

$2,057 a month

Baltimore County: $2,049 a month

Without a mortgage

$669 a month

Baltimore County: $703 a month

Owners with a mortgage

67%

Baltimore County: 67%

In Reisterstown, 67% of owners have a mortgage; their typical cost is $2,057 a month, about the same as in Baltimore County.

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

Since 2015–2019, homes in Reisterstown gained value faster than in Baltimore County: 50% against 34%.

Since 2015–2019, the typical rent in Reisterstown rose 20%, less than in Baltimore County (25%).

The typical household income in Reisterstown rose 21% over that time; home values changed +50% and rent +20%.

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

MeasureReisterstownBaltimore CountyMarylandUnited States
Rental vacancy Unreliable estimate4.8%4.7%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room Unreliable estimate2.1%2.5%3.4%
People per household 2.422.502.572.53
Drive alone 62%70%65%69%
Carpool 7%8%8%9%
Public transit Unreliable estimate3%4%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 24%17%19%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Reisterstown has 2.42 people on average, about the same as in Baltimore County (2.50).

Many people here do not commute at all: 24% work from home; in Baltimore County, 17%.

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 Reisterstown?

A typical home costs more than the typical income allows

We start with a typical home in Reisterstown, worth $358,700, 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 Reisterstown, which is $85,543 a year. For that payment to be 28% of income, a household would need to earn about $129,167 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Reisterstown. 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 $12,555 (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

$3,014

at 7.18% · 30 years

Loan amount
$352,203
Total interest
$506,737
Paid off in
November 2056

Includes $6,058 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,996 a month

  • Tight

    $1,996 to $2,566 a month

  • Hard

    more than $2,566 a month

    Your payment · 42%

Compared with the typical household income in Reisterstown ($85,543 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,014
Principal & interest$2,386
Property tax$320
Home insurance$150
FHA mortgage insurance (MIP)$159

You need at least $12,555 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

Reisterstown and Baltimore County

Reisterstown is in Baltimore 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).

Reisterstown's own numbers

Typical home value
$358,700
Typical monthly rent
$1,600
Typical yearly household income
$85,543
Households that own their home
66%
Effective property tax rate
1.07%

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

Numbers for all of Baltimore 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%

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 Baltimore County.

Everything about Baltimore County

Buying

Buying a home in Reisterstown

A typical home in Reisterstown is worth $358,700: 3% above the county and 15% below Maryland. With the typical household income in Reisterstown ($85,543 a year), a typical home costs 4.2 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.

  • Reisterstown 4.2 years
  • Baltimore 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 Baltimore County

According to FHFA’s house price index, home prices in Baltimore County rose 58% in the 10 years through 2025.

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

Period County Maryland U.S.
Last year (2025) +2.9% +2.7% +2.9%
5 years (2020–2025) +39% +40% +47%
10 years (2015–2025) +58% +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

Reisterstown next to Baltimore 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
  • Reisterstown $358,700
  • Baltimore $349,300
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Reisterstown $1,600
  • Baltimore $1,627
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Reisterstown $85,543
  • Baltimore $91,768
  • Maryland $103,678
  • United States $80,734
See the full table
Reisterstown next to Baltimore County and Maryland
Measure Reisterstown Baltimore County Maryland U.S.
Typical home value $358,700 $349,300 $419,900 $332,700
Typical monthly rent $1,600 $1,627 $1,705 $1,413
Typical yearly household income $85,543 $91,768 $103,678 $80,734
Households that own their home 66% 66% 68% 65%
Typical yearly property tax $3,829 $3,736 $4,093 $3,119
Effective property tax rate 1.07% 1.07% 0.97% 0.94%
Renters with high rent for their income 66% 54% 51% 51%

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

For a typical $358,700 home in Reisterstown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Reisterstown's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,014a month

    Least cash to close
    Down payment
    $12,555
    Cash to close
    $23,316
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $159

  • Conventional, 5% down $2,948a month

    Down payment
    $17,935
    Cash to close
    $28,696
    Rate
    7.18%
    Mortgage insurance
    PMI · $170

  • Conventional, 20% down, no PMI $2,413a month

    Down payment
    $71,740
    Cash to close
    $82,501
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,745a month

    Down payment
    $53,805
    Cash to close
    $64,566
    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 Reisterstown and for Baltimore County.

Property tax

Effective rate in Reisterstown

1.07%of the home’s value each year

$3,829 a year for the typical owner in Reisterstown.

  • Reisterstown 1.07%
  • Baltimore 1.07%
  • 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 Baltimore County

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

FEMA’s maps count no homes in the high-risk zone in Baltimore County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Reisterstown

Typical rent in Reisterstown is $1,600 a month: about the same as the county. In Reisterstown, 66% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Baltimore 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 Baltimore 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 Reisterstown

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Reisterstown has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,910 in 21136 to $2,350 in 21117.

1 of the 2 is above the fair market rent for Baltimore County ($2,006).

  • 21117 $2,350$2,940
  • 21136 $1,910$2,390

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Reisterstown 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 Reisterstown

HUD lists 8 buildings with rents for lower incomes in Reisterstown. These are the largest.

  • Meadows at Reisterstown I 300 Cantata Ct, Reisterstown 21136 80 homes, 79 low-income · In service since 2001
  • Meadows at Reisterstown II 302 Cantata Ct, Reisterstown 21136 76 low-income homes · 1 bd: 44 · 2 bd: 32 · In service since 2005 · For older adults
  • Reisters View 306 Cantata Ct, Reisterstown 21136 72 low-income homes · For older adults (410) 517-4994
  • Reisterstown Gardens 304 Cantata Ct, Reisterstown 21136 68 low-income homes · For older adults (410) 517-4994
  • Salony House Phase I 300 Salony Dr, Reisterstown 21136 30 homes, 29 low-income · 1 bd: 30 · In service since 2001

See all 88 buildings in Baltimore County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Reisterstown

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 Baltimore County; none says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Reisterstown

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

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

  • Operation Hope Pikesville MD

    1525 Town Center Pl, Pikesville · 7 miles away

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 3 more
    (470) 223-0285

  • Diversified Housing Development, Inc.

    8025 Liberty Rd, Windsor Mill · 8 miles away

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 2 more
    (410) 496-1214

  • Comprehensive Housing Assistance, Inc

    5809 Park Heights Ave, Baltimore · 10 miles away · Spanish

    Also serves in American Sign Language (ASL) and Russian.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (410) 500-5300

Every agency in Baltimore County All counseling agencies in Maryland

Help in Spanish near Reisterstown

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 Reisterstown

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

All housing agencies in Maryland Source: HUD

Cities

Other cities in Baltimore County

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

Everything about Baltimore County Housing in Maryland
See 18 more cities in Baltimore County, with prices and rents

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

Nearby cities

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

Neighboring counties

If Baltimore 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 Reisterstown.

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

Questions

Housing questions about Reisterstown

Short answers with the numbers for Reisterstown and all of Baltimore 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 Reisterstown?

The typical home value in Reisterstown is $358,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Baltimore County it is $349,300.

How much does it cost to rent in Reisterstown?

Typical rent in Reisterstown is $1,600 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Baltimore County is $2,006.

What is the FHA loan limit in Reisterstown?

Reisterstown uses the FHA limit for all of Baltimore 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 Reisterstown?

The typical homeowner in Reisterstown pays $3,829 a year, according to the U.S. Census Bureau. That is 1.07% of the home’s value; in Baltimore County, the rate is 1.07%.

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

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