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City · 15,065 residents · Prince George's County, Maryland

Summerfield , Maryland

In Summerfield, a typical home is worth $348,100 and typical rent is $2,091 a month. Compared with all of Prince George's County, the typical home value is 18% lower, typical rent is 16% higher, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $348,100

    18% below the county

    17% below Maryland

    • Summerfield
    • Prince George's
    • Maryland

  • Typical rent

    $2,091a month

    16% above the county

    23% above Maryland

    • Summerfield
    • Prince George's
    • Maryland

  • Typical household income

    $91,007a year

    11% below the county

    12% below Maryland

    • Summerfield
    • Prince George's
    • Maryland

  • Households that own their home

    47%

    15 points below the county

    20 points below Maryland

    • Summerfield
    • Prince George's
    • Maryland

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

Summerfield 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 Summerfield apart

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

  1. Nearby, in Peppermill Village, the typical rent is $845: 60% less than in Summerfield ($2,091).

  2. 47% of households in Summerfield own their home, against 62% in Prince George's County.

  3. The typical home in Summerfield is worth $348,100, 18% less than in Prince George's County as a whole ($426,000).

  4. The typical rent in Summerfield is $2,091 a month, 16% more than in Prince George's County as a whole ($1,799).

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

The homes here

Housing in Summerfield

What homes there are in Summerfield, 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 Summerfield there is a bit of everything: no kind of home reaches half. The most common are attached houses (townhouses) (49%), more than in Prince George's County (17%).

Year built

Here half of the homes date from 1987 or later; in Prince George's County, from 1977 or later.

In Summerfield, 65% of homes have 3 bedrooms or more, about the same as 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

$2,014 a month

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

Without a mortgage

$689 a month

Prince George's County: $823 a month

Owners with a mortgage

83%

Prince George's County: 78%

In Summerfield, 83% of owners have a mortgage, and their typical cost is $2,014 a month, against $2,456 in Prince George's County. Without one it drops to $689.

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

From 2015–2019 to 2020–2024, the typical home value in Summerfield rose 35%; in Prince George's County, it rose 41%.

Much as in Prince George's County, the typical rent in Summerfield rose 19% since 2015–2019.

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

MeasureSummerfieldPrince 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 2.592.702.572.53
Drive alone 58%60%65%69%
Carpool 9%10%8%9%
Public transit 8%7%4%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 21%18%19%15%
Other means Unreliable estimate3%2%2%
Typical commute 30 to 39 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

Much as in Prince George's County, a household in Summerfield has 2.59 people on average.

Working from home is more common in Summerfield: 21%, against 18% in Prince George's County.

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 Summerfield?

A typical home costs more than the typical income allows

We start with a typical home in Summerfield, worth $348,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Summerfield, which is $91,007 a year. For that payment to be 28% of income, a household would need to earn about $125,599 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 Summerfield. 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 $12,184 (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

$2,931

at 7.18% · 30 years

Loan amount
$341,795
Total interest
$491,762
Paid off in
November 2056

Includes $5,879 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,123 a month

  • Tight

    $2,123 to $2,730 a month

  • Hard

    more than $2,730 a month

    Your payment · 39%

Compared with the typical household income in Summerfield ($91,007 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,931
Principal & interest$2,315
Property tax$316
Home insurance$145
FHA mortgage insurance (MIP)$154

You need at least $12,184 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

Summerfield and Prince George's County

Summerfield 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).

Summerfield's own numbers

Typical home value
$348,100
Typical monthly rent
$2,091
Typical yearly household income
$91,007
Households that own their home
47%
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 Summerfield

A typical home in Summerfield is worth $348,100: 18% below the county and 17% below Maryland. With the typical household income in Summerfield ($91,007 a year), a typical home costs 3.8 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.

  • Summerfield 3.8 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

Summerfield 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
  • Summerfield $348,100
  • Prince George's $426,000
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Summerfield $2,091
  • Prince George's $1,799
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Summerfield $91,007
  • Prince George's $101,798
  • Maryland $103,678
  • United States $80,734
See the full table
Summerfield next to Prince George's County and Maryland
Measure Summerfield Prince George's County Maryland U.S.
Typical home value $348,100 $426,000 $419,900 $332,700
Typical monthly rent $2,091 $1,799 $1,705 $1,413
Typical yearly household income $91,007 $101,798 $103,678 $80,734
Households that own their home 47% 62% 68% 65%
Typical yearly property tax $3,797 $4,771 $4,093 $3,119
Effective property tax rate 1.09% 1.12% 0.97% 0.94%
Renters with high rent for their income 51% 53% 51% 51%

“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 Summerfield

For a typical $348,100 home in Summerfield, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Summerfield's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,931a month

    Least cash to close
    Down payment
    $12,184
    Cash to close
    $22,627
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $154

  • Conventional, 5% down $2,867a month

    Down payment
    $17,405
    Cash to close
    $27,848
    Rate
    7.18%
    Mortgage insurance
    PMI · $165

  • Conventional, 20% down, no PMI $2,348a month

    Down payment
    $69,620
    Cash to close
    $80,063
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,670a month

    Down payment
    $52,215
    Cash to close
    $62,658
    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 Summerfield and for Prince George's County.

Property tax

Effective rate in Summerfield

1.09%of the home’s value each year

$3,797 a year for the typical owner in Summerfield.

  • Summerfield 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 Summerfield

Typical rent in Summerfield is $2,091 a month: 16% above the county. In Summerfield, 51% of renter households pay 30% or more of their income in rent.

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 Summerfield

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Summerfield is in ZIP code 20785.

For 2 bedrooms it is $2,240: $198 less than the fair market rent for Prince George's County ($2,438).

  • 20785 $2,240$2,850

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

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.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Summerfield

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

The HUD-approved agencies closest to the center of Summerfield, 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 · 3 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 · 3 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 · 5 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 Summerfield

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 Summerfield

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

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

Questions

Housing questions about Summerfield

Short answers with the numbers for Summerfield 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 Summerfield?

The typical home value in Summerfield is $348,100, 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 Summerfield?

Typical rent in Summerfield is $2,091 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 Summerfield?

Summerfield 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 Summerfield?

The typical homeowner in Summerfield pays $3,797 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 Summerfield?

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).