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City · 8,802 residents · Queen Anne's County, Maryland

Stevensville , Maryland

In Stevensville, a typical home is worth $481,200 and typical rent is $1,771 a month. Compared with all of Queen Anne's County, typical rent is 9% higher and the share of households that own their home is 5 points lower.

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  • Typical home value

    $481,200

    4% above the county

    15% above Maryland

    • Stevensville
    • Queen Anne's
    • Maryland

  • Typical rent

    $1,771a month

    9% above the county

    4% above Maryland

    • Stevensville
    • Queen Anne's
    • Maryland

  • Typical household income

    $115,357a year

    2% above the county

    11% above Maryland

    • Stevensville
    • Queen Anne's
    • Maryland

  • Households that own their home

    78%

    5 points below the county

    10 points above Maryland

    • Stevensville
    • Queen Anne's
    • Maryland

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

Market now, with Zillow data

Zillow data
Typical home value
$541,404
1.9% more than 12 months ago
Typical rent
$2,750 a month

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

Stevensville is in Queen Anne's 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 Queen Anne's County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Stevensville apart

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

  1. 78% of households in Stevensville own their home, against 83% in Queen Anne's County.

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

The homes here

Housing in Stevensville

What homes there are in Stevensville, 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 is still the most common home in Stevensville, but it weighs less than in Queen Anne's County: 76% against 81%.

Year built

In Stevensville, half of the homes were built before 1992; in Queen Anne's County, before 1990.

By size, homes in Stevensville look like those in Queen Anne's County: 81% have 3 bedrooms or more.

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

$2,548 a month

Queen Anne's County: $2,380 a month

Without a mortgage

$856 a month

Queen Anne's County: $810 a month

Owners with a mortgage

79%

Queen Anne's County: 73%

The typical cost for an owner with a mortgage in Stevensville is $2,548 a month, more than in Queen Anne's County ($2,380); without one, $856.

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 Queen Anne's County, the typical home value in Stevensville rose 33% since 2015–2019.

The typical rent in Stevensville stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureStevensvilleQueen Anne's CountyMarylandUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.5%3.4%
People per household 2.652.582.572.53
Drive alone 82%75%65%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 12%15%19%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

A household in Stevensville has 2.65 people on average, about the same as in Queen Anne's County (2.58).

To get to work, 82% of workers in Stevensville drive alone; in Queen Anne's County, 75%.

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 Stevensville?

A typical home costs more than the typical income allows

We start with a typical home in Stevensville, worth $481,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Stevensville, which is $115,357 a year. For that payment to be 28% of income, a household would need to earn about $167,608 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Stevensville. 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 $16,842 (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

$3,911

at 7.18% · 30 years

Loan amount
$472,484
Total interest
$679,794
Paid off in
November 2056

Includes $8,126 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,692 a month

  • Tight

    $2,692 to $3,461 a month

  • Hard

    more than $3,461 a month

    Your payment · 41%

Compared with the typical household income in Stevensville ($115,357 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,911
Principal & interest$3,201
Property tax$297
Home insurance$201
FHA mortgage insurance (MIP)$213

You need at least $16,842 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

Stevensville and Queen Anne's County

Stevensville is in Queen Anne'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).

Stevensville's own numbers

Typical home value
$481,200
Typical monthly rent
$1,771
Typical yearly household income
$115,357
Households that own their home
78%
Effective property tax rate
0.74%

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

Numbers for all of Queen Anne's 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)
+42%
Homes in a high flood-risk zone
3.4%

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 Queen Anne's County.

Everything about Queen Anne's County

Buying

Buying a home in Stevensville

A typical home in Stevensville is worth $481,200: 4% above the county and 15% above Maryland. With the typical household income in Stevensville ($115,357 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.

  • Stevensville 4.2 years
  • Queen Anne's 4.1 years
  • Maryland 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Queen Anne's County

According to FHFA’s house price index, home prices in Queen Anne's County rose 65% in the 10 years through 2025.

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

Period County Maryland U.S.
Last year (2025) −0.1% +2.7% +2.9%
5 years (2020–2025) +42% +40% +47%
10 years (2015–2025) +65% +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

Stevensville next to Queen Anne'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
  • Stevensville $481,200
  • Queen Anne's $462,700
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Stevensville $1,771
  • Queen Anne's $1,619
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Stevensville $115,357
  • Queen Anne's $112,826
  • Maryland $103,678
  • United States $80,734
See the full table
Stevensville next to Queen Anne's County and Maryland
Measure Stevensville Queen Anne's County Maryland U.S.
Typical home value $481,200 $462,700 $419,900 $332,700
Typical monthly rent $1,771 $1,619 $1,705 $1,413
Typical yearly household income $115,357 $112,826 $103,678 $80,734
Households that own their home 78% 83% 68% 65%
Typical yearly property tax $3,580 $3,623 $4,093 $3,119
Effective property tax rate 0.74% 0.78% 0.97% 0.94%
Renters with high rent for their income 51% 54% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Queen Anne'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 Stevensville

For a typical $481,200 home in Stevensville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Stevensville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,911a month

    Least cash to close
    Down payment
    $16,842
    Cash to close
    $31,278
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $213

  • Conventional, 5% down $3,823a month

    Down payment
    $24,060
    Cash to close
    $38,496
    Rate
    7.18%
    Mortgage insurance
    PMI · $229

  • Conventional, 20% down, no PMI $3,105a month

    Down payment
    $96,240
    Cash to close
    $110,676
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,550a month

    Down payment
    $72,180
    Cash to close
    $86,616
    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 Stevensville and for Queen Anne's County.

Property tax

Effective rate in Stevensville

0.74%of the home’s value each year

$3,580 a year for the typical owner in Stevensville.

  • Stevensville 0.74%
  • Queen Anne's 0.78%
  • 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 Queen Anne's County

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

Homes in the high-risk zone
3.4%
724
Of those, with NFIP insurance
—
County Maryland U.S.
Homes in the high-risk zone 3.4% 1.2% 3.5%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Stevensville

Typical rent in Stevensville is $1,771 a month: 9% above the county. In Stevensville, 51% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Queen Anne's 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 Queen Anne'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 $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 Stevensville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Stevensville is in ZIP code 21666.

For 2 bedrooms it is $2,380: $374 more than the fair market rent for Queen Anne's County ($2,006).

  • 21666 $2,380$2,980

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

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 Queen Anne's County. The nearest ones are below; many serve by phone or online.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Stevensville

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

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

  • Anne Arundel County Community Action Agency, Incorporated

    251 West St, Annapolis · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (410) 626-1900

  • Arundel Community Development Service Inc

    2666 Riva Road, Annapolis · 13 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (410) 222-7612

  • Maryland Rural Development Corporation (MRDC) (kent Co)

    118 S Lynchburg St Ste B, Chestertown · 21 miles away

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (667) 254-8051

All counseling agencies in Maryland

Help in Spanish near Stevensville

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 Stevensville

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

  • Queen Anne's County Housing Authority Public housing and Section 8 vouchers (410) 758-8634

All housing agencies in Maryland Source: HUD

Cities

Nearby cities

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

Everything about Queen Anne's County Housing in Maryland

Neighboring counties

If Queen Anne'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 Stevensville.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Stevensville

Short answers with the numbers for Stevensville and all of Queen Anne'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 Stevensville?

The typical home value in Stevensville is $481,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Queen Anne's County it is $462,700.

How much does it cost to rent in Stevensville?

Typical rent in Stevensville is $1,771 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Queen Anne's County is $2,006.

What is the FHA loan limit in Stevensville?

Stevensville uses the FHA limit for all of Queen Anne's 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 Stevensville?

The typical homeowner in Stevensville pays $3,580 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in Queen Anne's County, the rate is 0.78%.

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

We found no HUD-approved counseling agencies with an office in Queen Anne's County; the nearest ones are on this page. 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).