The story of this market
The typical home in Carroll County, Maryland sells for about $479,000, or $232 per square foot.
Prices are roughly flat from a year ago (-0.3%), a market in balance. Homes take about 51 days to sell. Over the long run, values in this county have grown 160% since 2000. Last year 25 of 37 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is strong wind, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $2,006 a month.
HUD sets the fair market rent for a 2-bedroom at $2,006 a month. FEMA's National Risk Index rates overall hazard risk here as Very Low.
Price climate
Every year of price change, 2000–2025
+1.9%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2005 (+21.6%). Worst: 2009 (-9.6%). Hover to read a year.
Monthly price momentum
Home values since 2015
+1.1%
MD · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$2,509
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+1.9%
2025 change
FHFA repeat-sales index, median of 37 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
19
Very Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $32,335,356.
Mortgage activity
Home lending in this county
80.5%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 9241 | 5136 | 80.5% | 2.9% | $350,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Carroll County, Maryland
The Carroll County housing market remains a seller's market characterized by low inventory and steady demand. While median prices have seen slight year-over-year fluctuations, the limited supply of homes continues to drive competitive conditions for buyers.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: median price corroborated by the published ten-year series (2025) (within 12.5%).
Select a city to expand its ZIP intel reports beneath · 12 cities · 15 ZIP reports
Median prices moved down 9.8% year over year.
Homes spend a median of 52 days on market with 0.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 0.78% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 2.8% · poverty 4.2% — a stable, low-distress profile.
Deterministic aggregate of 10 researched ZIP reports of 14 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Carroll County, Maryland — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 29
researched Oct 1
researched Sep 29
researched Sep 30
researched Oct 1
researched Sep 29
researched Sep 17
researched Sep 29
researched Sep 18
researched Sep 28
| 21074 | Hampstead | $449,000 | $255 | +4.2% | 22 | 99.2% | 12% | 2.1 | 48 | $1,260 | researched Sep 29 |
| 21102 | Manchester | $490,000 | $296 | — | 38 | 99.6% | 29.6% | 2.1 | 4,016 | $1,484 | researched Oct 1 |
| 21104 | Marriottsville | $814,647 | $341 | +13.1% | 33 | 98% | 14% | 2.3 | 28 | $1,384 | researched Sep 29 |
| 21157 | Westminster | $474,000 | $210 | -12.9% | 37 | — | — | — | 302 | $1,331 | researched Sep 30 |
| 21158 | Westminster | $510,000 | $213 | +18.6% | 57 | — | — | — | 90 | $1,794 | researched Oct 1 |
| 21757 | Keymar | $414,300 | $165 | +2.5% | 45 | 98.5% | 15% | 3.2 | 12 | $1,408 | researched Sep 29 |
| 21764 | Linwood | $666,500 | $208 | +8% | 25 | 100% | — | 1.9 | 67 | $2,400 | researched Sep 17 |
| 21771 | Mount Airy | $674,800 | $253 | +12.5% | 26 | — | — | — | 186 | $2,252 | researched Sep 29 |
| 21776 | New Windsor | $597,450 | $245 | +4.2% | 42 | 98.5% | 12% | 3.8 | 35 | $1,297 | researched Sep 18 |
| 21781 | Saint James | $494,000 | $288 | -11.8% | 105 | — | — | — | 21 | $1,800 | researched Sep 28 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Carroll County Public Schools is generally regarded as a high-performing district within the state, consistently maintaining strong academic standards and graduation rates.
The county maintains a stable economic base with a mix of agriculture, manufacturing, and proximity to the Baltimore-Washington corridor, though large-scale commercial development remains measured.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Maryland) — Maryland Real Property Assessment and Taxation: Property is assessed at its phased-in use value. The tax is calculated by multiplying the assessed value by the applicable state and local tax rates.
The economy is anchored by education, healthcare, and government services, with a significant portion of the workforce commuting to the broader Baltimore-Washington metropolitan area.
The county is served by a network of state highways including MD-32, MD-97, and MD-140, which facilitate regional connectivity to Baltimore and Westminster.
Assessments are conducted by the Maryland Department of Assessments and Taxation, which performs triennial reviews of all real property in the county.
The county is served by the Carroll County Public School system and various local utility districts providing water and sewer services in incorporated areas.
- Adventure Park USA4.116.3 mi
- The Adventure Park at Sandy Spring4.828.4 mi
- Sky Zone Trampoline Park4.128.2 mi
- Urban Air Trampoline and Adventure Park4.322.9 mi
- Round1 Bowling & Arcade - Towson3.826.1 mi
- CFG Bank Arena4.129.2 mi
- Gettysburg National Military Park Museum & Visitor Center4.820.7 mi
- M&T Bank Stadium4.729.5 mi
- Merriweather Post Pavilion4.525.3 mi
- Liberty Mountain Resort4.322.8 mi
- Adventure Park USA4.116.3 mi
- AMC Owings Mills 17417.3 mi
- Codorus State Park4.718.8 mi
- Baugher's Orchards, Farm & Bakery4.54.1 mi
- Utica Park4.718.2 mi
- National Aquarium4.629.8 mi
- Gettysburg National Military Park Museum & Visitor Center4.820.7 mi
- Baltimore Museum of Art4.827.7 mi
- The Walters Art Museum4.829 mi
- Adventure Park USA4.116.3 mi
- Adventure Park USA4.116.3 mi
- Codorus State Park4.718.8 mi
- Utica Park4.718.2 mi
- Western Regional Park4.716.5 mi
- Oregon Ridge Nature Center4.719.7 mi
- Whiskey Creek Golf Club4.617.9 mi
- Waverly Woods Golf Club4.418.3 mi
- Rattlewood Golf Course4.415.6 mi
- The Links at Challedon4.39.6 mi
- The Links at Gettysburg4.315.8 mi
- Baugher's Orchards, Farm & Bakery4.54.1 mi
- Rural King4.419.5 mi
- Harris Teeter4.518.9 mi
- T.J. Maxx & HomeGoods4.419.8 mi
- Catoctin Mountain Orchard4.619.5 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
Offers extensive hiking trails and nature education programs, serving as a key outdoor recreation hub for residents.
A preserved 19th-century mill and homestead that provides cultural and historical context to the county's agricultural roots.
Data retrieved from data.census.gov
applies when — Applies to residential parcels located within a development subject to a declaration of covenants or restrictions requiring mandatory membership in an association.
Imposes obligations on parcel owners to pay assessments, adhere to recorded covenants, and comply with association governance and disclosure requirements upon resale.
Real Property Article Title 11B.
Property is assessed at its phased-in use value. The tax is calculated by multiplying the assessed value by the applicable state and local tax rates. The Homestead Property Tax Credit limits the annual increase in taxable assessment for owner-occupied residential property to a fixed percentage (set by local jurisdictions, typically 10% or less) of the prior year's assessment.
Tax-Property Article § 8-103; COMAR Title 18.
≈ $47,900/yr on a $479,000 median
Maryland utilizes a judicial-supervised process. Foreclosure actions cannot be filed until 90 days after a default. Homeowners have 30 days from the date of the Notice of Report of Sale to file exceptions to the sale.
Real Property Article § 7-105.1; Maryland Rules of Procedure.
applies when — Applies to the transfer of residential real property of one to four single-family units, excluding specific transfers such as initial sales of never-occupied property, foreclosure sales, or transfers by fiduciaries.
Sellers must provide either a disclosure statement detailing known latent defects or a disclaimer statement selling the property 'as is' without warranties.
Real Property Article § 10-702, Annotated Code of Maryland.
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.