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City · 10,932 residents · Baltimore County, Maryland

White Marsh , Maryland

In White Marsh, a typical home is worth $369,200 and typical rent is $1,982 a month. Compared with all of Baltimore County, typical household income is 28% higher and typical rent is 22% higher.

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  • Typical home value

    $369,200

    6% above the county

    12% below Maryland

    • White Marsh
    • Baltimore
    • Maryland

  • Typical rent

    $1,982a month

    22% above the county

    16% above Maryland

    • White Marsh
    • Baltimore
    • Maryland

  • Typical household income

    $117,426a year

    28% above the county

    13% above Maryland

    • White Marsh
    • Baltimore
    • Maryland

  • Households that own their home

    71%

    5 points above the county

    4 points above Maryland

    • White Marsh
    • Baltimore
    • Maryland

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

Market now, with Zillow data

Zillow data
Typical home value
$516,003
about the same as 12 months ago

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

White Marsh 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 White Marsh apart

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

  1. Nearby, in Overlea, the typical home value is $263,900: 29% less than in White Marsh ($369,200).

  2. Nearby, in Overlea, the typical rent is $1,473: 26% less than in White Marsh ($1,982).

  3. The typical household income in White Marsh is $117,426, 28% more than in Baltimore County as a whole ($91,768).

  4. The typical rent in White Marsh is $1,982 a month, 22% more than in Baltimore County as a whole ($1,627).

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

The homes here

Housing in White Marsh

What homes there are in White Marsh, 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 White Marsh, 5 in 10 homes are single-family detached houses; in Baltimore County, 5.

Year built

The typical home in White Marsh was built in 1986, 13 years after the typical one in Baltimore County.

There is more room for a big family here: 67% of homes have 3 bedrooms or more, against 63% in Baltimore 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

$1,994 a month

Baltimore County: $2,049 a month

Without a mortgage

$692 a month

Baltimore County: $703 a month

Owners with a mortgage

63%

Baltimore County: 67%

The typical cost for an owner with a mortgage in White Marsh is $1,994 a month, near the figure in Baltimore County ($2,049).

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, home values in White Marsh rose at about the same pace as in Baltimore County: 31% against 34%.

Rents in White Marsh rose faster than in Baltimore County: 40% since 2015–2019, against 25%.

The typical household income in White Marsh rose 27%: less than home values (+31%) and rent (+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

MeasureWhite MarshBaltimore 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 2.502.502.572.53
Drive alone 69%70%65%69%
Carpool 7%8%8%9%
Public transit Unreliable estimate3%4%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 21%17%19%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Baltimore County, a household in White Marsh has 2.50 people on average.

Working from home is more common in White Marsh: 21%, against 17% in Baltimore 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 White Marsh?

A typical home is tight for the typical income

We start with a typical home in White Marsh, worth $369,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in White Marsh, which is $117,426 a year. For that payment to be 28% of income, a household would need to earn about $133,344 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 White Marsh. 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 $12,922 (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

$3,111

at 7.18% · 30 years

Loan amount
$362,513
Total interest
$521,571
Paid off in
November 2056

Includes $6,235 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,740 a month

  • Tight

    $2,740 to $3,523 a month

    Your payment · 32%

  • Hard

    more than $3,523 a month

Compared with the typical household income in White Marsh ($117,426 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,111
Principal & interest$2,456
Property tax$338
Home insurance$154
FHA mortgage insurance (MIP)$163

You need at least $12,922 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

White Marsh and Baltimore County

White Marsh 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).

White Marsh's own numbers

Typical home value
$369,200
Typical monthly rent
$1,982
Typical yearly household income
$117,426
Households that own their home
71%
Effective property tax rate
1.1%

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 White Marsh

A typical home in White Marsh is worth $369,200: 6% above the county and 12% below Maryland. With the typical household income in White Marsh ($117,426 a year), a typical home costs 3.1 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.

  • White Marsh 3.1 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

White Marsh 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
  • White Marsh $369,200
  • Baltimore $349,300
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • White Marsh $1,982
  • Baltimore $1,627
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • White Marsh $117,426
  • Baltimore $91,768
  • Maryland $103,678
  • United States $80,734
See the full table
White Marsh next to Baltimore County and Maryland
Measure White Marsh Baltimore County Maryland U.S.
Typical home value $369,200 $349,300 $419,900 $332,700
Typical monthly rent $1,982 $1,627 $1,705 $1,413
Typical yearly household income $117,426 $91,768 $103,678 $80,734
Households that own their home 71% 66% 68% 65%
Typical yearly property tax $4,072 $3,736 $4,093 $3,119
Effective property tax rate 1.1% 1.07% 0.97% 0.94%
Renters with high rent for their income 42% 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 White Marsh

For a typical $369,200 home in White Marsh, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, White Marsh's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,111a month

    Least cash to close
    Down payment
    $12,922
    Cash to close
    $23,998
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $163

  • Conventional, 5% down $3,044a month

    Down payment
    $18,460
    Cash to close
    $29,536
    Rate
    7.18%
    Mortgage insurance
    PMI · $175

  • Conventional, 20% down, no PMI $2,493a month

    Down payment
    $73,840
    Cash to close
    $84,916
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,834a month

    Down payment
    $55,380
    Cash to close
    $66,456
    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 White Marsh and for Baltimore County.

Property tax

Effective rate in White Marsh

1.1%of the home’s value each year

$4,072 a year for the typical owner in White Marsh.

  • White Marsh 1.1%
  • 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 White Marsh

Typical rent in White Marsh is $1,982 a month: 22% above the county. In White Marsh, 42% 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 White Marsh

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). White Marsh has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,850 in 21237 to $2,190 in 21128.

1 of the 3 is above the fair market rent for Baltimore County ($2,006).

  • 21128 $2,190$2,740
  • 21236 $1,990$2,490
  • 21237 $1,850$2,310

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

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in White Marsh

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

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

  • Harbel Housing Partnership ( A Division of Harbel Community Organization, Inc.)

    5807 Harford Rd, Baltimore · 6 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (410) 444-9152

  • Belair - Edison Neighborhoods, Inc.

    3545 Belair Rd, Baltimore · 7 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (410) 485-8422

  • Southeast Community Development Corporation

    3323 Eastern Ave, Baltimore · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (410) 342-3234

Every agency in Baltimore County All counseling agencies in Maryland

Help in Spanish near White Marsh

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 White Marsh

HUD’s record names them for White Marsh 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 White Marsh, 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 White Marsh.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about White Marsh

Short answers with the numbers for White Marsh 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 White Marsh?

The typical home value in White Marsh is $369,200, 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 White Marsh?

Typical rent in White Marsh is $1,982 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 White Marsh?

White Marsh 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 White Marsh?

The typical homeowner in White Marsh pays $4,072 a year, according to the U.S. Census Bureau. That is 1.1% of the home’s value; in Baltimore County, the rate is 1.07%.

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

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).