Housing decision brief
Carroll County, MD Housing Market
Carroll County screens as a higher purchase price, rent that needs comparison, a manageable tax-rate signal market. Use the page as a decision brief, not just a price lookup, because local income, taxes, and data confidence change how affordable the county really is.
18th lowest home value out of 24 Maryland counties with data | 13th lowest rent out of 24
Median home value
$406,400
Purchase-price signal from Census ACS.
Median rent
$1,370/mo
Gross rent, including utilities where reported.
Monthly owner cost
$1,920/mo
Owner costs before individual loan terms.
Decision snapshot
Read this county in four signals.
Buy screen
3.5x
Median home value divided by local household income.
Rent burden
29.0%
Below 30% usually screens as less pressured.
Rent vs own
$550/mo
Median rent screens below owner cost.
Data confidence
1 note
Crime coverage is partial, so safety comparisons need source context.
What Works
Rent burden below pressure line
29.00% of renter income goes to rent, below the 30% burden threshold.
What to Check
Crime data coverage
Crime data coverage is partial. Treat zero or low crime rates as incomplete until you check the source coverage.
Best Fit For
- No strong fit signal was available in the current dataset.
Poor Fit For
- Anyone treating reported crime rates as complete without source context
County vs State vs National
The county number only matters after you see the benchmark. These comparisons show where Carroll County is genuinely cheap, where it is average, and where the hidden cost may be.
| Metric | County | State | U.S. | Signal |
|---|---|---|---|---|
Median home value Lower usually helps affordability. | $406,400 | $357,700 | $281,900 | 14% pressure14% above Maryland county median |
Median gross rent Lower usually helps affordability. | $1,370 | $1,369 | $1,163 | Near state medianAt the Maryland county median |
Monthly owner cost Lower usually helps affordability. | $1,920 | $1,595 | $1,672 | 20% pressure20% above Maryland county median |
Median household income | $115,876 | $91,025 | $74,755 | 27% favorable27% above Maryland county median |
Effective property-tax rate Lower usually helps affordability. | 0.94% | 1.00% | 1.02% | 6% favorable6% below Maryland county median |
Rent burden Lower usually helps affordability. | 29.00% | 30.00% | N/A | Near state median29.00% of renter income goes to rent. |
Income Fit
A low price only helps if local income can carry the monthly cost. This panel compares the county income base with rent and owner-cost thresholds.
Rent cushion
+$61,076
Median income minus rent threshold.
Owner cushion
+$33,590
Median income minus owner-cost threshold.
Affordability Advisory
This turns the raw housing numbers into income and buy-versus-rent screens.
Affordability verdict
Carroll County offers affordable rental housing at a median of $1,370/month , about 14.2% of the typical household income here.
Rent vs own
The median rent in Carroll County is $1,370/month, while owner costs run $1,920/month. Renting saves approximately $550/month.
Income needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $54,800/year. For owner costs at the 28% rule, the required income is roughly $82,286/year. With a median household income of $115,876, most households can comfortably afford rent here. Notably, 29.0% of renter households in Carroll County are cost-burdened, spending more than 30% of income on housing.
Regional context
Carroll County sits 6% more expensive than Baltimore city ($1,290/month) in terms of median gross rent.
Better Counties to Compare
Similar counties are matched on home value, rent, income, and state context. This is more useful than a simple nearest-price list.
| County | Home Value | Rent | Why compare |
|---|---|---|---|
| St. Mary's County, MD | $390,900 | $1,692/mo | Same-state comparison near $390,900 home value and $1,692/mo rent. |
| Queen Anne's County, MD | $441,800 | $1,611/mo | Same-state comparison near $441,800 home value and $1,611/mo rent. |
| Harford County, MD | $367,300 | $1,557/mo | Same-state comparison near $367,300 home value and $1,557/mo rent. |
| Frederick County, MD | $437,700 | $1,706/mo | Same-state comparison near $437,700 home value and $1,706/mo rent. |
| Charles County, MD | $402,300 | $1,897/mo | Same-state comparison near $402,300 home value and $1,897/mo rent. |
Data Confidence
- Crime coverage is partial, so safety comparisons need source context.
Next Checks
Housing Questions for Carroll County
Is Carroll County affordable for buying a home?
Is renting or owning cheaper in Carroll County?
How much income do you need for housing in Carroll County?
What should I double-check before moving to Carroll County?
Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.