What's a healthy ratio in Maryland?

Under 3.0 is considered affordable; 3.0-4.0 moderate; 4.0-5.0 seriously unaffordable; over 5.0 severely unaffordable.

Does this account for interest rates?

No, price-to-income is rate-agnostic so it stays comparable across cycles.

What if my income is higher?

Your personal ratio matters more than the market median. Use it as a relative comparison.

Buyer authority MD

Most affordable cities for home buyers in Maryland.

Affordability = how many years of household income buys the median home. This ranks Maryland cities by price-to-income ratio (lower = more affordable).

Last updated September 2026

Maryland ranking

50 cities ranked. Click any row for the matching local page.

#	City	Price-to-income ratio	Score
1	Baltimore	6.7x income	21	View →
2	Hyattsville	6.4x income	27	View →
3	Hagerstown	6.0x income	34	View →
4	Glen Burnie	6.0x income	34	View →
5	Parkville	6.0x income	34	View →
6	Salisbury	6.0x income	34	View →
7	Dundalk	6.0x income	34	View →
8	Gwynn Oak	6.0x income	34	View →
9	Cumberland	5.9x income	34	View →
10	Elkton	6.0x income	34	View →
11	Essex	6.0x income	34	View →
12	Middle River	6.0x income	34	View →
13	District Heights	6.0x income	34	View →
14	Temple Hills	6.0x income	34	View →
15	Nottingham	6.0x income	34	View →
16	Lanham	6.0x income	34	View →
17	Windsor Mill	6.0x income	34	View →
18	Capitol Heights	6.0x income	34	View →
19	Halethorpe	6.0x income	34	View →
20	Brooklyn	6.0x income	34	View →
21	Randallstown	6.0x income	34	View →
22	Rosedale	6.0x income	34	View →
23	Oxon Hill	6.0x income	34	View →
24	Suitland	6.0x income	34	View →
25	College Park	6.0x income	34	View →
26	Lexington Park	6.0x income	34	View →
27	Edgewood	6.0x income	34	View →
28	Frederick	5.9x income	35	View →
29	Laurel	5.9x income	35	View →
30	Westminster	5.9x income	35	View →
31	Beltsville	5.9x income	36	View →
32	Silver Spring	5.8x income	37	View →
33	Catonsville	5.8x income	37	View →
34	Abingdon	5.7x income	39	View →
35	Pikesville	5.6x income	40	View →
36	Montgomery Village	5.6x income	41	View →
37	Princess Anne	5.5x income	41	View →
38	Owings Mills	5.5x income	42	View →
39	Towson	5.4x income	43	View →
40	Greenbelt	5.4x income	43	View →
41	Easton	5.4x income	43	View →
42	Aberdeen	5.4x income	43	View →
43	Berlin	5.4x income	43	View →
44	Riverdale	5.4x income	43	View →
45	Havre De Grace	5.4x income	43	View →
46	Cambridge	5.4x income	43	View →
47	North East	5.4x income	43	View →
48	Joppa	5.4x income	43	View →
49	Frostburg	5.4x income	43	View →
50	Oakland	5.4x income	43	View →

Methodology

Ratio = estimated home value ÷ average household income (Census ACS). Demographia bands (under 3.0 affordable, over 5.0 severely unaffordable) are designed around medians, so treat these as directional. Cities whose true median home value likely exceeds the dataset's modeled value (e.g. SF Bay, Manhattan) are flagged in their state pages.

FAQ

What's a healthy ratio in Maryland?: Under 3.0 is considered affordable; 3.0-4.0 moderate; 4.0-5.0 seriously unaffordable; over 5.0 severely unaffordable.
Does this account for interest rates?: No, price-to-income is rate-agnostic so it stays comparable across cycles.
What if my income is higher?: Your personal ratio matters more than the market median. Use it as a relative comparison.