Mortgage Rates in Maryland — March 2026
Compare current mortgage rates across 60 cities in Maryland. The average 30-year fixed rate is 6.73%, which is 0.08% above the national average of 6.65%.
Maryland Housing Highlights
All 60 Cities in Maryland
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Baltimore | 6.7% | $195,000 | $1,007 | 585,708 |
| Columbia | 6.64% | $409,000 | $2,098 | 104,681 |
| Silver Spring | 6.7% | $475,000 | $2,452 | 81,015 |
| Frederick | 6.7% | $395,000 | $2,039 | 78,171 |
| Waldorf | 6.7% | $402,000 | $2,075 | 77,487 |
| Ellicott City | 6.74% | $429,000 | $2,224 | 73,272 |
| Glen Burnie | 6.88% | $384,000 | $2,019 | 69,969 |
| Rockville | 6.7% | $565,000 | $2,917 | 68,401 |
| Bethesda | 6.82% | $412,000 | $2,153 | 68,056 |
| Gaithersburg | 6.7% | $445,000 | $2,297 | 67,417 |
| Dundalk | 6.69% | $405,000 | $2,089 | 63,597 |
| Bowie | 6.7% | $415,000 | $2,142 | 58,025 |
| Towson | 6.71% | $386,000 | $1,995 | 57,542 |
| Aspen Hill | 6.69% | $424,000 | $2,187 | 53,453 |
| Wheaton | 6.84% | $409,000 | $2,142 | 51,444 |
| North Bethesda | 6.86% | $425,000 | $2,230 | 50,262 |
| Severn | 6.86% | $345,000 | $1,810 | 47,144 |
| Potomac | 6.62% | $342,000 | $1,751 | 46,256 |
| Hagerstown | 6.74% | $319,000 | $1,654 | 44,312 |
| Odenton | 6.67% | $317,000 | $1,631 | 42,258 |
| Catonsville | 6.73% | $397,000 | $2,056 | 41,567 |
| Annapolis | 6.7% | $485,000 | $2,504 | 40,812 |
| Clinton | 6.86% | $380,000 | $1,994 | 39,760 |
| Essex | 6.6% | $328,000 | $1,676 | 39,262 |
| Severna Park | 6.76% | $378,000 | $1,963 | 38,748 |
| Woodlawn | 6.73% | $400,000 | $2,071 | 37,879 |
| Randallstown | 6.64% | $334,000 | $1,714 | 35,429 |
| Olney | 6.84% | $323,000 | $1,691 | 35,350 |
| Owings Mills | 6.83% | $371,000 | $1,941 | 34,360 |
| Chillum | 6.72% | $354,000 | $1,831 | 34,106 |
| Salisbury | 6.59% | $215,000 | $1,098 | 33,610 |
| Pikesville | 6.68% | $339,000 | $1,746 | 32,478 |
| College Park | 6.77% | $341,000 | $1,773 | 32,196 |
| Parkville | 6.7% | $372,000 | $1,920 | 30,734 |
| Eldersburg | 6.89% | $361,000 | $1,900 | 30,531 |
| Milford Mill | 6.6% | $367,000 | $1,875 | 30,019 |
| Pasadena | 6.63% | $335,000 | $1,717 | 29,920 |
| Crofton | 6.67% | $332,000 | $1,709 | 29,371 |
| Perry Hall | 6.66% | $364,000 | $1,871 | 28,474 |
| South Laurel | 6.85% | $361,000 | $1,892 | 27,816 |
| Reisterstown | 6.85% | $338,000 | $1,772 | 27,271 |
| Edgewood | 6.78% | $392,000 | $2,040 | 25,562 |
| Middle River | 6.77% | $364,000 | $1,893 | 25,191 |
| Laurel | 6.73% | $325,000 | $1,683 | 25,115 |
| Fort Washington | 6.78% | $382,000 | $1,988 | 25,032 |
| North Potomac | 6.65% | $306,000 | $1,572 | 24,410 |
| Arnold | 6.89% | $342,000 | $1,800 | 24,273 |
| Greenbelt | 6.65% | $337,000 | $1,731 | 23,511 |
| Camp Springs | 6.82% | $325,000 | $1,698 | 21,253 |
| Cumberland | 6.61% | $125,000 | $639 | 20,057 |
| Arbutus | 6.86% | $344,000 | $1,805 | 19,834 |
| Westminster | 6.61% | $344,000 | $1,759 | 18,590 |
| Hyattsville | 6.77% | $357,000 | $1,856 | 18,267 |
| Oxon Hill | 6.88% | $327,000 | $1,719 | 18,267 |
| Calverton | 6.72% | $370,000 | $1,914 | 17,724 |
| Takoma Park | 6.76% | $305,000 | $1,584 | 17,703 |
| Easton | 6.48% | $335,000 | $1,691 | 16,800 |
| Aberdeen | 6.81% | $303,000 | $1,582 | 16,456 |
| Bel Air | 6.72% | $312,000 | $1,614 | 10,792 |
| White Marsh | 6.6% | $311,000 | $1,589 | 9,513 |
Maryland Mortgage Rates Guide — 2026
Maryland homebuyers currently see an average 30-year fixed mortgage rate of 6.73%, with median home prices around $359,650. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $1,863.
The most affordable city for homebuyers in Maryland is Cumberland, where the median home price is $125,000. On the other end, Rockville has the highest prices at $565,000. Property tax rates across the state average 1.07%.
To comfortably afford a home at the state average price, a household income of approximately $79,843 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Maryland Mortgages
What are current mortgage rates in Maryland?
As of March 2026, the average 30-year fixed mortgage rate in Maryland is 6.73% and the 15-year fixed rate averages 5.97%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Maryland?
The median home price across 60 cities in Maryland is $359,650. Prices range from $125,000 in Cumberland to $565,000 in Rockville.
How much income do I need to buy a house in Maryland?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $79,843 to comfortably afford the average home in Maryland. The median household income in the state is approximately $79,534.
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