state
Home prices in Maryland since you bought
A home in Maryland bought 10 years ago is worth about 63.8% more today if it kept pace with its state, about 5.1% a year (2016 Q2 to 2026 Q2). The figures are the federal FHFA House Price Index, quarterly, latest 2026 Q2.
Appreciation over 1, 5, 10 and 20 years
| Window | Change | Per year | $300,000 then is now | After inflation | Periods |
|---|---|---|---|---|---|
| 1 year | +2.2% | +2.2% | $306,719 | -1.6% (-1.6%/yr) | 2025 Q2 → 2026 Q2 |
| 5 years | +32.0% | +5.7% | $396,149 | +6.5% (+1.3%/yr) | 2021 Q2 → 2026 Q2 |
| 10 years | +63.8% | +5.1% | $491,346 | +17.8% (+1.6%/yr) | 2016 Q2 → 2026 Q2 |
| 20 years | +39.5% | +1.7% | $418,607 | -15.5% (-0.8%/yr) | 2006 Q2 → 2026 Q2 |
After inflation: the same change measured in dollars of constant buying power, using the CPI-U (all items, US city average) averaged over the start and end periods; the national series, not a local cost of living.
Informational only, not an appraisal. This is the area’s average from repeat sales on conforming mortgages; it knows nothing about any particular house.
How Maryland compares
| Area | 1 yr | 5 yr | 10 yr | 20 yr |
|---|---|---|---|---|
| Maryland | +2.2% | +32.0% | +63.8% | +39.5% |
| United States | +3.0% | +41.3% | +93.3% | +93.5% |
Windows end at each series’ own latest period; the annual county and ZIP indexes end a few quarters before the quarterly state and metro ones.
What is your home worth since you bought it?
The home value since purchase calculator takes your purchase price, month, year and ZIP and applies the smallest area’s index, falling back to the state when the ZIP has no data.
Metro areas in Maryland, ranked by 5-year change
| # | Area | 5 yr | Per year | 10 yr |
|---|---|---|---|---|
| 1 | Salisbury, MD | +50.8% | +8.6% | +95.8% |
| 2 | Wilmington, DE-MD-NJ | +46.9% | +8.0% | +82.6% |
| 3 | Hagerstown-Martinsburg, MD-WV | +40.7% | +7.1% | +81.5% |
| 4 | Baltimore-Columbia-Towson, MD | +31.8% | +5.7% | +61.0% |
| 5 | Lexington Park, MD | +31.5% | +5.6% | +60.2% |
| 6 | Frederick-Gaithersburg-Bethesda, MD | +29.4% | +5.3% | +56.6% |
| 7 | Washington, DC-MD | +16.7% | +3.1% | +52.2% |
Each row is that area’s own index over its own latest 5 and 10 years; annual county and ZIP series end earlier than quarterly state and metro ones. A dash means the index has no value at the start of that window.
Counties in Maryland, ranked by 5-year change
| # | Area | 5 yr | Per year | 10 yr |
|---|---|---|---|---|
| 1 | Worcester County | +62.4% | +10.2% | +95.3% |
| 2 | Garrett County | +60.0% | +9.9% | +82.2% |
| 3 | Dorchester County | +59.0% | +9.7% | +88.2% |
| 4 | Wicomico County | +58.2% | +9.6% | +91.5% |
| 5 | Kent County | +55.3% | +9.2% | +87.0% |
| 6 | Somerset County | +52.1% | +8.8% | +70.2% |
| 7 | Washington County | +51.3% | +8.6% | +78.3% |
| 8 | Cecil County | +50.4% | +8.5% | +76.3% |
| 9 | Caroline County | +47.6% | +8.1% | +82.4% |
| 10 | Talbot County | +46.0% | +7.9% | +63.6% |
| 11 | Allegany County | +45.0% | +7.7% | +59.7% |
| 12 | Frederick County | +44.7% | +7.7% | +68.1% |
| 13 | Harford County | +44.1% | +7.6% | +64.6% |
| 14 | Saint Marys County | +42.8% | +7.4% | +60.3% |
| 15 | Queen Annes County | +41.6% | +7.2% | +64.5% |
| 16 | Carroll County | +41.4% | +7.2% | +60.6% |
| 17 | Howard County | +39.6% | +6.9% | +52.7% |
| 18 | Anne Arundel County | +39.4% | +6.9% | +59.4% |
| 19 | Charles County | +39.4% | +6.9% | +65.0% |
| 20 | Baltimore County | +38.8% | +6.8% | +58.4% |
| 21 | Calvert County | +38.3% | +6.7% | +55.9% |
| 22 | Prince Georges County | +37.6% | +6.6% | +76.6% |
| 23 | Montgomery County | +35.1% | +6.2% | +50.4% |
| 24 | Baltimore City County | +30.7% | +5.5% | +47.1% |
Each row is that area’s own index over its own latest 5 and 10 years; annual county and ZIP series end earlier than quarterly state and metro ones. A dash means the index has no value at the start of that window.
Where these figures come from
Series. FHFA HPI, traditional / all-transactions / quarterly, NSA, State MD, from the FHFA House Price Index datasets. Each change is the index at the end of the window divided by the index at its start, ending at the latest published period (2026 Q2). Per-year figures are compound annual rates. Snapshot vintage: master file through 2026 Q2.
What it leaves out. The index is estimated from repeat sales and appraisals on mortgages bought or guaranteed by Fannie Mae and Freddie Mac, so cash, jumbo, FHA and VA purchases are not in it. It tracks the area, not any house: renovations, condition and lot are invisible to it.
Data pulled 2026-09-28. FHFA publishes state and metro indexes quarterly and county and ZIP indexes annually; this page updates with each pull.