Baltimore County, Maryland: What It Costs to Buy a Home
The median home in Baltimore County is worth $330,000, property taxes on it run about $3,645 a year (1.1%), the FHA loan limit is $747,500, and closing on it means about $8,250 in transfer tax plus $2,072 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $330,000 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $3,645 a year, 1.1% of value | Property tax page → |
| FHA loan limit (1 unit) | $747,500 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $8,250 (incl. Baltimore County recordation and transfer tax) | Maryland transfer tax page → |
| Title insurance on the median home | $1,722 owner's + $350 lender's | Title insurance page → |
| Recording fees (deed + mortgage) | $175 | Recording fees page → |
| Closing costs from these items | $10,497 | Closing costs page → |
| Area median income (HUD, family of 4) | $134,000; low-income limit $106,800 | Income limits page → |
Frequently asked questions
How much do homes cost in Baltimore County?
The median owner-occupied home in Baltimore County is valued at $330,000, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Baltimore County?
The median Baltimore County homeowner pays $3,645 a year in real estate taxes, about 1.1% of the median home value ($3,648 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Baltimore County?
$747,500 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Baltimore County?
On the $330,000 median home: transfer tax $8,250, title insurance $2,072 for both policies, recording fees about $175, about $10,497 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Baltimore County?
HUD's FY 2026 median family income for Baltimore County (Baltimore-Columbia-Towson, MD MSA) is $134,000. A family of four counts as low income below $106,800 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Maryland counties
- Allegany County $149,200
- Anne Arundel County $450,300
- Baltimore city $219,300
- Calvert County $440,200
- Caroline County $272,400
- Carroll County $406,400
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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