Back to home affordability calculator Refinance break-even

State: Maryland

Maryland Home Affordability Calculator 2026

How much house can you afford in Maryland? With a 1.1% effective property tax (median home: $$4,455/yr), see max home prices using the 28% PITI rule and a 6.99% 30-year mortgage.

Max Home Price ($100K Income)

$350,857

20% down · 6.99% rate · 28% DTI

Monthly PITI

$2333

Prop Tax/mo

$322

Median Home

$405,000

Annual Tax

$4,455

Effective Rate

1.1%

Monthly Tax

$371/mo

Maryland Max Home Price by Income (28% DTI Rule)

Income	Max Home Price	Monthly PITI	Down (20%)	Monthly PI	Prop Tax/mo
$60,000	$210,514	$1400	$42,103	$1119	$193
$80,000	$280,686	$1867	$56,137	$1492	$257
$100,000	$350,857	$2333	$70,171	$1866	$322
$120,000	$421,028	$2800	$84,206	$2239	$386
$150,000	$526,286	$3500	$105,257	$2798	$482
$200,000	$701,714	$4667	$140,343	$3731	$643

Assumes 20% down payment, 6.99% 30-year fixed mortgage rate, 0.5% homeowners insurance, 1.1% Maryland property tax.

Ready to run your own numbers?

Use our full Maryland home affordability calculator with custom down payment, interest rate, and DTI inputs.

Open Full Calculator

Frequently Asked Questions — Maryland

What is the property tax rate in Maryland?: Maryland has an effective property tax rate of 1.1%. On the median home value of $405,000, that works out to approximately $4,455 per year ($371/month) in property taxes.
How much house can I afford on $100K in Maryland?: On a $100,000 annual income in Maryland, the 28% front-end DTI rule allows a maximum monthly PITI of approximately $2333. With a 20% down payment, a 6.99% 30-year mortgage, and Maryland's 1.1% property tax, you can afford approximately $350,857 — with monthly principal & interest of $1866 plus $322/month in property taxes.
How does Maryland's property tax affect home affordability?: Maryland's 1.1% effective property tax rate is near the national average. Property taxes add $11 per month per $100,000 of home value, which is factored into your total PITI payment when determining how much house you can afford.
What's included in a mortgage PITI payment?: PITI stands for Principal, Interest, Taxes, and Insurance. Principal and interest are your mortgage payments that pay down the loan. Taxes refers to annual property taxes (divided into monthly escrow). Insurance includes homeowners insurance (typically 0.5% of home value/year) and any required mortgage insurance (PMI) if your down payment is less than 20%. Lenders generally want PITI to be no more than 28% of your gross monthly income.

All States

Home Affordability

Compare every state's property tax

Maryland

Paycheck Calculator

See take-home pay after taxes

Mortgage

Refinance Break-Even

Should you refinance your mortgage?

Loading Legacy

Maryland Home Affordability Calculator 2026

How much house can you afford in Maryland? With a 1.1% effective property tax (median home: $$4,455/yr), see max home prices using the 28% PITI rule and a 6.99% 30-year mortgage.

Max Home Price ($100K Income)

$350,857

20% down · 6.99% rate · 28% DTI

Monthly PITI

$2333

Prop Tax/mo

$322

Median Home

$405,000

Annual Tax

$4,455

Effective Rate

1.1%

Monthly Tax

$371/mo

Maryland Max Home Price by Income (28% DTI Rule)

Income	Max Home Price	Monthly PITI	Down (20%)	Monthly PI	Prop Tax/mo
$60,000	$210,514	$1400	$42,103	$1119	$193
$80,000	$280,686	$1867	$56,137	$1492	$257
$100,000	$350,857	$2333	$70,171	$1866	$322
$120,000	$421,028	$2800	$84,206	$2239	$386
$150,000	$526,286	$3500	$105,257	$2798	$482
$200,000	$701,714	$4667	$140,343	$3731	$643

Assumes 20% down payment, 6.99% 30-year fixed mortgage rate, 0.5% homeowners insurance, 1.1% Maryland property tax.

Frequently Asked Questions — Maryland

What is the property tax rate in Maryland?

Maryland has an effective property tax rate of 1.1%. On the median home value of $405,000, that works out to approximately $4,455 per year ($371/month) in property taxes.

How much house can I afford on $100K in Maryland?

On a $100,000 annual income in Maryland, the 28% front-end DTI rule allows a maximum monthly PITI of approximately $2333. With a 20% down payment, a 6.99% 30-year mortgage, and Maryland's 1.1% property tax, you can afford approximately $350,857 — with monthly principal & interest of $1866 plus $322/month in property taxes.

How does Maryland's property tax affect home affordability?

Maryland's 1.1% effective property tax rate is near the national average. Property taxes add $11 per month per $100,000 of home value, which is factored into your total PITI payment when determining how much house you can afford.

What's included in a mortgage PITI payment?

PITI stands for Principal, Interest, Taxes, and Insurance. Principal and interest are your mortgage payments that pay down the loan. Taxes refers to annual property taxes (divided into monthly escrow). Insurance includes homeowners insurance (typically 0.5% of home value/year) and any required mortgage insurance (PMI) if your down payment is less than 20%. Lenders generally want PITI to be no more than 28% of your gross monthly income.