Easiest ZIP codes to buy in Maryland
Top 25 easiest ZIP codes to buy into in Maryland by price-to-income ratio. #1 is 20625 (Cobb Island) at about 1.5x. Compare buy-in affordability on US5.
These ZIP codes have the lowest median home price-to-income ratios in Maryland — a practical “buy-in difficulty” signal that combines local home values with local earnings.
Lowest ratios on this board: 20625 (Cobb Island) at about 1.5x; 21545 (Mount Savage) at about 1.9x; 21521 (Moscow) at about 1.9x.
Open a ZIP page for an illustrative “estimated income to buy” figure based on a transparent mortgage model (down payment, rate, taxes, and insurance assumptions).
Open any ZIP for a full demographics, income, and housing profile, or return to the Maryland state page for the complete ZIP table.
Ranked ZIP codes
| # | ZIP | City | County | Price-to-income | Population | Income | Home value |
|---|---|---|---|---|---|---|---|
| 1 | 20625 | Cobb Island | Charles County | 1.5x | 1,135 | $161,000 | $244,400 |
| 2 | 21545 | Mount Savage | Allegany County | 1.9x | 1,716 | $59,551 | $111,300 |
| 3 | 21521 | Moscow | Garrett County | 1.9x | 1,521 | $69,758 | $130,900 |
| 4 | 21838 | — | Somerset County | 2.1x | 1,975 | $85,577 | $179,200 |
| 5 | 21539 | Lonaconing | Garrett County | 2.1x | 1,846 | $51,667 | $108,700 |
| 6 | 21562 | Westernport | Garrett County | 2.1x | 3,192 | $53,056 | $113,200 |
| 7 | 21830 | Quantico | Wicomico County | 2.2x | 5,001 | $110,015 | $244,900 |
| 8 | 21223 | Baltimore | Baltimore city | 2.2x | 19,793 | $41,828 | $93,700 |
| 9 | 20620 | Callaway | St. Mary's County | 2.4x | 1,160 | $154,188 | $369,200 |
| 10 | 21017 | Riverside | Harford County | 2.4x | 6,404 | $100,298 | $241,700 |
| 11 | 21205 | Baltimore | Baltimore city | 2.5x | 13,665 | $38,723 | $94,900 |
| 12 | 21502 | Cumberland | Allegany County | 2.6x | 41,810 | $58,721 | $151,400 |
| 13 | 21040 | Edgewood | Harford County | 2.7x | 25,290 | $86,925 | $231,100 |
| 14 | 20616 | Bryans Road | Charles County | 2.7x | 7,435 | $129,188 | $345,400 |
| 15 | 20689 | Chesapeake Beach | Calvert County | 2.7x | 2,046 | $174,583 | $468,400 |
| 16 | 21213 | Baltimore | Baltimore city | 2.7x | 27,881 | $50,031 | $134,900 |
| 17 | 20657 | Chesapeake Ranch Estates | Calvert County | 2.7x | 20,519 | $117,776 | $317,600 |
| 18 | 21162 | Honeygo | Baltimore County | 2.8x | 4,511 | $168,021 | $463,400 |
| 19 | 20618 | — | St. Mary's County | 2.8x | 1,513 | $103,115 | $291,900 |
| 20 | 21920 | — | Cecil County | 2.8x | 1,153 | $119,156 | $338,600 |
| 21 | 20634 | California | St. Mary's County | 2.9x | 6,976 | $117,431 | $334,800 |
| 22 | 21009 | Bel Air South | Harford County | 2.9x | 33,444 | $117,017 | $335,100 |
| 23 | 21837 | Mardela Springs | Wicomico County | 2.9x | 2,975 | $71,667 | $206,100 |
| 24 | 20693 | — | Charles County | 2.9x | 1,238 | $148,750 | $428,900 |
| 25 | 21536 | Grantsville | Garrett County | 2.9x | 3,829 | $69,677 | $202,800 |
Frequently asked questions
Which ZIP codes in Maryland are easiest to buy into?
By median home price-to-income ratio, 20625 (Cobb Island) ranks near the top at about 1.5x. Lower ratios generally mean local incomes go further against local home prices.
How does US5 rank ZIP codes in Maryland?
We rank indexable ZIP codes with both income and home-value data by lowest median home price-to-income ratio (with a population floor).
Where can I explore all ZIP codes in Maryland?
Visit the Maryland state page for the full ZIP table, demographics summary, and sortable income/housing columns.