The 20 most affordable cities in Maryland to buy a house

Homeownership is fundamental to the American dream. It offers wealth, security, community, and countless other benefits. Yet for many Maryland residents, the dream feels increasingly out of reach—even as incomes rise and mortgage rates fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers stuck and younger generations priced out.

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, Redfin Real Estate ranked the most affordable cities in Maryland, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this recent Redfin article.

#1. Bowie, Maryland
- Payment to income ratio: 28.2%
- Median sale price: $521,699
- Median household income: $141,831
- Income needed to buy: $133,223
- Median monthly mortgage payment: $3,331
- See homes for sale in Bowie on Redfin.com

#2. Edgewood, Maryland
- Payment to income ratio: 28.4%
- Median sale price: $320,435
- Median household income: $86,355
- Income needed to buy: $81,827
- Median monthly mortgage payment: $2,046
- See homes for sale in Edgewood on Redfin.com

#3. Clinton, Maryland
- Payment to income ratio: 28.9%
- Median sale price: $456,273
- Median household income: $120,967
- Income needed to buy: $116,515
- Median monthly mortgage payment: $2,913
- See homes for sale in Clinton on Redfin.com

#4. Fort Washington, Maryland
- Payment to income ratio: 29.2%
- Median sale price: $556,825
- Median household income: $145,942
- Income needed to buy: $142,192
- Median monthly mortgage payment: $3,555
- See homes for sale in Fort Washington on Redfin.com

#5. Eldersburg, Maryland
- Payment to income ratio: 30.7%
- Median sale price: $588,354
- Median household income: $146,598
- Income needed to buy: $150,244
- Median monthly mortgage payment: $3,756
- See homes for sale in Eldersburg on Redfin.com

#6. Waldorf, Maryland
- Payment to income ratio: 30.7%
- Median sale price: $463,374
- Median household income: $115,453
- Income needed to buy: $118,329
- Median monthly mortgage payment: $2,958
- See homes for sale in Waldorf on Redfin.com

#7. Severn, Maryland
- Payment to income ratio: 30.9%
- Median sale price: $527,536
- Median household income: $130,627
- Income needed to buy: $134,713
- Median monthly mortgage payment: $3,368
- See homes for sale in Severn on Redfin.com

#8. Catonsville, Maryland
- Payment to income ratio: 31.3%
- Median sale price: $448,957
- Median household income: $110,051
- Income needed to buy: $114,647
- Median monthly mortgage payment: $2,866
- See homes for sale in Catonsville on Redfin.com

#9. Pasadena, Maryland
- Payment to income ratio: 31.8%
- Median sale price: $495,135
- Median household income: $119,393
- Income needed to buy: $126,439
- Median monthly mortgage payment: $3,161
- See homes for sale in Pasadena on Redfin.com

#10. Bel Air South, Maryland
- Payment to income ratio: 32.2%
- Median sale price: $507,356
- Median household income: $120,721
- Income needed to buy: $129,560
- Median monthly mortgage payment: $3,239
- See homes for sale in Bel Air South on Redfin.com

#11. Parkville, Maryland
- Payment to income ratio: 32.2%
- Median sale price: $329,533
- Median household income: $78,405
- Income needed to buy: $84,151
- Median monthly mortgage payment: $2,104
- See homes for sale in Parkville on Redfin.com

#12. Bel Air North, Maryland
- Payment to income ratio: 32.5%
- Median sale price: $584,859
- Median household income: $137,995
- Income needed to buy: $149,351
- Median monthly mortgage payment: $3,734
- See homes for sale in Bel Air North on Redfin.com

#13. Perry Hall, Maryland
- Payment to income ratio: 32.9%
- Median sale price: $450,216
- Median household income: $104,709
- Income needed to buy: $114,968
- Median monthly mortgage payment: $2,874
- See homes for sale in Perry Hall on Redfin.com

#14. Clarksburg, Maryland
- Payment to income ratio: 34.0%
- Median sale price: $793,060
- Median household income: $178,641
- Income needed to buy: $202,518
- Median monthly mortgage payment: $5,063
- See homes for sale in Clarksburg on Redfin.com

#15. Lochearn, Maryland
- Payment to income ratio: 34.2%
- Median sale price: $340,457
- Median household income: $76,256
- Income needed to buy: $86,940
- Median monthly mortgage payment: $2,174
- See homes for sale in Lochearn on Redfin.com

#16. Severna Park, Maryland
- Payment to income ratio: 34.8%
- Median sale price: $763,446
- Median household income: $168,091
- Income needed to buy: $194,956
- Median monthly mortgage payment: $4,874
- See homes for sale in Severna Park on Redfin.com

#17. Randallstown, Maryland
- Payment to income ratio: 35.1%
- Median sale price: $405,589
- Median household income: $88,544
- Income needed to buy: $103,572
- Median monthly mortgage payment: $2,589
- See homes for sale in Randallstown on Redfin.com

#18. Carney, Maryland
- Payment to income ratio: 35.2%
- Median sale price: $389,290
- Median household income: $84,619
- Income needed to buy: $99,410
- Median monthly mortgage payment: $2,485
- See homes for sale in Carney on Redfin.com

#19. Glen Burnie, Maryland
- Payment to income ratio: 35.3%
- Median sale price: $407,281
- Median household income: $88,291
- Income needed to buy: $104,004
- Median monthly mortgage payment: $2,600
- See homes for sale in Glen Burnie on Redfin.com

#20. Milford Mill, Maryland
- Payment to income ratio: 35.5%
- Median sale price: $355,068
- Median household income: $76,676
- Income needed to buy: $90,671
- Median monthly mortgage payment: $2,267
- See homes for sale in Milford Mill on Redfin.com