Cheapest and most expensive ZIP codes in Maryland
Typical home values for 423 Maryland ZIP codes with Zillow data (2026-09). Click a ZIP for its price trend and market stats.
10 most affordable ZIP codes
| ZIP | City | County | Typical value | 6-mo change |
|---|---|---|---|---|
| 21223 | Baltimore | Baltimore City | $65,619 | -7.5% |
| 21538 | Kitzmiller | Garrett County | $88,140 | +17.1% |
| 21562 | Westernport | Allegany County | $91,034 | +6.9% |
| 21217 | Baltimore | Baltimore City | $91,872 | -7.5% |
| 21824 | Ewell | Somerset County | $101,045 | +6.7% |
| 21539 | Lonaconing | Allegany County | $104,580 | -3.3% |
| 21205 | Baltimore | Baltimore City | $108,282 | -5.4% |
| 21672 | Toddville | Dorchester County | $112,495 | -1.1% |
| 21216 | Baltimore | Baltimore City | $113,799 | -0.1% |
| 21213 | Baltimore | Baltimore City | $118,612 | -4.5% |
10 most expensive ZIP codes
| ZIP | City | County | Typical value | 6-mo change |
|---|---|---|---|---|
| 21056 | Gibson Island | Anne Arundel County | $3,109,792 | +3.1% |
| 21405 | Annapolis | Anne Arundel County | $1,561,934 | +2.1% |
| 20812 | Glen Echo | Montgomery County | $1,284,292 | +0.5% |
| 20817 | Bethesda | Montgomery County | $1,281,391 | +0.6% |
| 20816 | Bethesda | Montgomery County | $1,277,787 | +0.7% |
| 20854 | Potomac | Montgomery County | $1,262,996 | -0.1% |
| 20818 | Cabin John | Montgomery County | $1,239,976 | -0.2% |
| 21737 | Glenwood | Howard County | $1,193,112 | +1.5% |
| 20815 | Chevy Chase | Montgomery County | $1,150,207 | +0.3% |
| 21662 | Royal Oak | Talbot County | $1,106,774 | +2.4% |
What these numbers mean for Maryland buyers
The most expensive Maryland ZIP code in this list has a typical home value 47.4 times the cheapest. The middle ZIP code is at $444,850. 187 of 423 ZIP codes are below the statewide typical value of $424,890.
Over the last six months, typical values rose in 238 of 423 ZIP codes and fell or held steady in 185.
Down payment at different price points
At the cheapest ZIP's typical value, a 3.5% down payment is $2,297 and 20% is $13,124. At the middle ZIP's value, the same down payments are $15,570 and $88,970. Add roughly 2% to 5% for closing costs.
Before you choose a ZIP code, compare Maryland property and transfer taxes and check Maryland first-time buyer programs, which can lower the cash you need.
Source: Zillow Home Value Index (ZHVI), mid-tier, by ZIP. ZIPs without their own Zillow series are excluded. 6-month change = last six monthly readings.
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