What income do you need to buy a house in Frederick, MD?

It takes about $127,000/yr to afford the typical Frederick, MD home ($466K, -1.0% past year) at today's rates. Starter homes run around $351K. See if you can afford a house in Frederick (2026 data) — free, no signup.

Market snapshot (2026-07)

• Income needed to buy the typical home: about $127,000/yr (28% front-end ratio, 20% down, 6.76% 30-yr fixed, MD property tax and insurance)
• Typical home value: $466K (Zillow ZHVI, 2026-07)
• 1-year change: -1.0%
• Bottom 35% of homes: $351K
• Top 35% of homes start around: $669K
• Typical rent: $2,196/mo
• Median household income: $97K
• Price-to-income ratio: 4.8
• Estimated payment on the typical home: $2,419/mo principal & interest (20% down, 6.76% 30-yr fixed)

Nearby housing markets

• Walkersville, MD — typical home $470K
• Middletown, MD — typical home $572K
• Thurmont, MD — typical home $404K
• Brunswick, MD — typical home $411K
• Mount Airy, MD — typical home $643K
• Damascus, MD — typical home $562K

The most affordable cities to buy a house in Maryland

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

i wanna buy a house .com — type a city, see its market, find out what you can afford.