Carroll County, Maryland: What It Costs to Buy a Home
The median home in Carroll County is worth $406,400, property taxes on it run about $3,837 a year (0.94%), the FHA loan limit is $747,500, and closing on it means about $2,032 in transfer tax plus $2,428 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $406,400 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $3,837 a year, 0.94% 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 | $2,032 | Maryland transfer tax page → |
| Title insurance on the median home | $2,078 owner's + $350 lender's | Title insurance page → |
| Closing costs from these items | $4,460 | 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 Carroll County?
The median owner-occupied home in Carroll County is valued at $406,400, 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 Carroll County?
The median Carroll County homeowner pays $3,837 a year in real estate taxes, about 0.94% of the median home value ($3,916 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Carroll 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 Carroll County?
On the $406,400 median home: transfer tax $2,032, title insurance $2,428 for both policies, about $4,460 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Carroll County?
HUD's FY 2026 median family income for Carroll 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
- Baltimore County $330,000
- Calvert County $440,200
- Caroline County $272,400
- Cecil County $311,800
- Charles County $402,300
- Dorchester County $252,300
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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