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

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, 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 .

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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