Español

Este sitio también está en español. Leer en español

City · 14,260 residents · Frederick County, Maryland

Urbana , Maryland

In Urbana, a typical home is worth $640,100 and typical rent is $2,649 a month. Compared with all of Frederick County, typical household income is 50% higher and typical rent is 49% higher.

WhatsApp

  • Typical home value

    $640,100

    38% above the county

    52% above Maryland

    • Urbana
    • Frederick
    • Maryland

  • Typical rent

    $2,649a month

    49% above the county

    55% above Maryland

    • Urbana
    • Frederick
    • Maryland

  • Typical household income

    $182,500a year

    50% above the county

    76% above Maryland

    • Urbana
    • Frederick
    • Maryland

  • Households that own their home

    80%

    3 points above the county

    13 points above Maryland

    • Urbana
    • Frederick
    • Maryland

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

Urbana is in Frederick 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 Frederick County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Urbana apart

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

  1. Urbana has the 2nd smallest share of rent-burdened renters of the 170 cities in Maryland with more than 5,000 people (25%).

  2. The typical household income in Urbana is $182,500, 50% more than in Frederick County as a whole ($122,002).

  3. The typical rent in Urbana is $2,649 a month, 49% more than in Frederick County as a whole ($1,774).

  4. Nearby, in Ballenger Creek, the typical home value is $387,300: 39% less than in Urbana ($640,100).

  5. Nearby, in Spring Ridge, the typical rent is $1,667: 37% less than in Urbana ($2,649).

  6. The typical home in Urbana is worth $640,100, 38% more than in Frederick County as a whole ($464,600).

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

The homes here

Housing in Urbana

What homes there are in Urbana, 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

Homes here are varied: attached houses (townhouses) are 46% of them, more than in Frederick County (22%), and no kind reaches half.

Year built

The typical home in Urbana was built in 2009, 18 years after the typical one in Frederick County.

There is more room for a big family here: 95% of homes have 3 bedrooms or more, against 76% in Frederick 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

$3,220 a month

Frederick County: $2,449 a month

Without a mortgage

$1,201 a month

Frederick County: $731 a month

Owners with a mortgage

85%

Frederick County: 76%

Owning costs more in Urbana: with a mortgage, the typical cost is $3,220 a month; in Frederick County, $2,449. Without one, $1,201.

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

Urbana does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Frederick County the typical home value rose 40%.

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

MeasureUrbanaFrederick CountyMarylandUnited States
Rental vacancy Unreliable estimate3.2%4.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.3%2.5%3.4%
People per household 3.242.702.572.53
Drive alone 62%68%65%69%
Carpool 4%7%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 31%21%19%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Urbana has 3.24 people, more than in Frederick County (2.70).

In Urbana, 31% of workers work from home, more than in Frederick County (21%).

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 Urbana?

A typical home is tight for the typical income

We start with a typical home in Urbana, worth $640,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Urbana, which is $182,500 a year. For that payment to be 28% of income, a household would need to earn about $230,727 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Urbana. 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 $22,404 (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

$5,384

at 7.18% · 30 years

Loan amount
$628,506
Total interest
$904,272
Paid off in
November 2056

Includes $10,810 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,258 a month

  • Tight

    $4,258 to $5,475 a month

    Your payment · 35%

  • Hard

    more than $5,475 a month

Compared with the typical household income in Urbana ($182,500 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,384
Principal & interest$4,258
Property tax$576
Home insurance$267
FHA mortgage insurance (MIP)$283

You need at least $22,404 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

Urbana and Frederick County

Urbana is in Frederick 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).

Urbana's own numbers

Typical home value
$640,100
Typical monthly rent
$2,649
Typical yearly household income
$182,500
Households that own their home
80%
Effective property tax rate
1.08%

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

Numbers for all of Frederick 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)
+45%
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 Frederick County.

Everything about Frederick County

Buying

Buying a home in Urbana

A typical home in Urbana is worth $640,100: 38% above the county and 52% above Maryland. With the typical household income in Urbana ($182,500 a year), a typical home costs 3.5 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.

  • Urbana 3.5 years
  • Frederick 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 Frederick County

According to FHFA’s house price index, home prices in Frederick County rose 68% in the 10 years through 2025.

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

Period County Maryland U.S.
Last year (2025) +0.9% +2.7% +2.9%
5 years (2020–2025) +45% +40% +47%
10 years (2015–2025) +68% +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

Urbana next to Frederick 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
  • Urbana $640,100
  • Frederick $464,600
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Urbana $2,649
  • Frederick $1,774
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Urbana $182,500
  • Frederick $122,002
  • Maryland $103,678
  • United States $80,734
See the full table
Urbana next to Frederick County and Maryland
Measure Urbana Frederick County Maryland U.S.
Typical home value $640,100 $464,600 $419,900 $332,700
Typical monthly rent $2,649 $1,774 $1,705 $1,413
Typical yearly household income $182,500 $122,002 $103,678 $80,734
Households that own their home 80% 77% 68% 65%
Typical yearly property tax $6,942 $4,584 $4,093 $3,119
Effective property tax rate 1.08% 0.99% 0.97% 0.94%
Renters with high rent for their income 25% 48% 51% 51%

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

For a typical $640,100 home in Urbana, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Urbana's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,384a month

    Least cash to close
    Down payment
    $22,404
    Cash to close
    $41,607
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $283

  • Conventional, 5% down $5,266a month

    Down payment
    $32,005
    Cash to close
    $51,208
    Rate
    7.18%
    Mortgage insurance
    PMI · $304

  • Conventional, 20% down, no PMI $4,312a month

    Down payment
    $128,020
    Cash to close
    $147,223
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,904a month

    Down payment
    $96,015
    Cash to close
    $115,218
    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 Urbana and for Frederick County.

Property tax

Effective rate in Urbana

1.08%of the home’s value each year

$6,942 a year for the typical owner in Urbana.

  • Urbana 1.08%
  • Frederick 0.99%
  • 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 Frederick County

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

Homes in the high-risk zone
0.9%
781
Of those, with NFIP insurance
19%
County Maryland U.S.
Homes in the high-risk zone 0.9% 1.2% 3.5%
Of those, with NFIP insurance 19% 74% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Urbana

Typical rent in Urbana is $2,649 a month: 49% above the county. In Urbana, 25% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Frederick 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 Frederick 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 Urbana

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

For 2 bedrooms it runs from $2,920 in 21754 to $3,140 in 21704.

2 of the 2 are above the fair market rent for Frederick County ($2,438).

  • 21704 $3,140$4,000
  • 21754 $2,920$3,720

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

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 is 1 HUD-approved agency with an office in Frederick County; none says it serves in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Urbana

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

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

  • The City of Frederick

    100 S Market St, Frederick · 7 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (301) 600-1506

  • Housing Initiative Partnership, Inc.(hip)

    12900 Middlebrook Road, Germantown · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 3 more
    (301) 916-5946

  • Housing Initiative Partnership, Inc.(hip)

    620 East Diamond Avenue, Gaithersburg · 15 miles away · Spanish

    Also serves in Portuguese.

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (301) 916-5946

Every agency in Frederick County All counseling agencies in Maryland

Help in Spanish near Urbana

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 Urbana

In HUD’s record, no housing authority with an office in Frederick County is named for Urbana or Frederick County.

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

Cities

Other cities in Frederick County

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

Everything about Frederick County Housing in Maryland

Nearby cities

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

Neighboring counties

If Frederick 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 Urbana.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Urbana

Short answers with the numbers for Urbana and all of Frederick 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 Urbana?

The typical home value in Urbana is $640,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Frederick County it is $464,600.

How much does it cost to rent in Urbana?

Typical rent in Urbana is $2,649 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Frederick County is $2,438.

What is the FHA loan limit in Urbana?

Urbana uses the FHA limit for all of Frederick 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 Urbana?

The typical homeowner in Urbana pays $6,942 a year, according to the U.S. Census Bureau. That is 1.08% of the home’s value; in Frederick County, the rate is 0.99%.

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

There is 1 HUD-approved counseling agency with an office in Frederick 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).