Maryland may be known for its pricey waterfront homes and busy suburbs, but tucked into its western hills and eastern farmland are towns where homeownership is still within reach. According to the Zillow Home Value Index, Maryland offers a diverse range of housing markets with significant price variations across the state.
What’s particularly striking is how even the most affordable Maryland towns have seen substantial growth over the past 15 years. The average home value increase across these 21 communities from 2010 to 2025 is an impressive 71.75%, demonstrating the strong real estate appreciation throughout the state regardless of price point.
Looking at data from 2010 through 2025, a fascinating trend emerges in these 21 most affordable towns. Communities like Westernport and Mount Savage offer entry points to homeownership at less than half the price of Maryland’s median home value, creating opportunities for first-time buyers and investors alike.
21. Grantsville
Historic home prices and percent change over time:
- 2025 Home Value: $227,333
- 2020 Home Value: $156,294
- 2015 Home Value: $133,001
- 2010 Home Value: $136,120
- % Change from 2020 to 2025: 45.45%
- % Change from 2015 to 2025: 70.93%
- % Change from 2010 to 2025: 67.01%
About Grantsville
Nestled in the picturesque western Maryland mountains, Grantsville offers you small-town charm with surprising affordability. The town’s proximity to natural attractions like New Germany State Park and Casselman River Bridge State Park makes it an outdoor enthusiast’s paradise without the premium price tag. While it’s seen impressive growth of 67.01% since 2010, Grantsville still maintains its position as one of Maryland’s best-value communities where your dollar stretches further.
20. Vienna
Historic home prices and percent change over time:
- 2025 Home Value: $221,755
- 2020 Home Value: $147,846
- 2015 Home Value: $120,329
- 2010 Home Value: $134,149
- % Change from 2020 to 2025: 49.99%
- % Change from 2015 to 2025: 84.29%
- % Change from 2010 to 2025: 65.31%
About Vienna
You’ll find Vienna quietly situated along the scenic Nanticoke River on Maryland’s Eastern Shore. This historic waterfront town offers you authentic Chesapeake Bay living at a fraction of the cost of more well-known waterfront communities. The town has experienced remarkable appreciation of 84.29% since 2015, reflecting increased interest in this hidden gem. With its small-town atmosphere, waterfront access, and remarkably affordable housing stock, Vienna presents a unique opportunity to embrace the Eastern Shore lifestyle without breaking the bank.
19. Friendsville
Historic home prices and percent change over time:
- 2025 Home Value: $221,108
- 2020 Home Value: $149,970
- 2015 Home Value: $123,150
- 2010 Home Value: $126,428
- % Change from 2020 to 2025: 47.44%
- % Change from 2015 to 2025: 79.54%
- % Change from 2010 to 2025: 74.89%
About Friendsville
As you explore Friendsville, you’ll discover a serene mountain community nestled near the Youghiogheny River in Garrett County. True to its name, this friendly town welcomes you with open arms and affordable housing options. The community has witnessed impressive growth of 74.89% since 2010, yet remains one of Maryland’s best values. Your money goes remarkably far here, where you can enjoy proximity to Deep Creek Lake’s recreational opportunities without paying premium lakefront prices.
18. Dundalk
Historic home prices and percent change over time:
- 2025 Home Value: $218,808
- 2020 Home Value: $159,023
- 2015 Home Value: $127,541
- 2010 Home Value: $154,262
- % Change from 2020 to 2025: 37.60%
- % Change from 2015 to 2025: 71.56%
- % Change from 2010 to 2025: 41.84%
About Dundalk
When you’re looking for affordable housing with easy access to Baltimore, Dundalk should be at the top of your list. This historic waterfront community offers you the rare combination of urban proximity and coastal living at a fraction of typical metro prices. Since 2010, Dundalk has seen a moderate 41.84% increase in values, making it one of the more stable markets in the region. Your investment here gets you charming neighborhoods with water views, strong community ties, and an easy commute to Baltimore’s employment opportunities.
17. Sharptown
Historic home prices and percent change over time:
- 2025 Home Value: $217,576
- 2020 Home Value: $134,736
- 2015 Home Value: $106,631
- 2010 Home Value: $136,570
- % Change from 2020 to 2025: 61.48%
- % Change from 2015 to 2025: 104.05%
- % Change from 2010 to 2025: 59.31%
About Sharptown
Tucked along the Nanticoke River, Sharptown offers you small-town charm with remarkable affordability. The town has witnessed extraordinary growth of 104.05% since 2015, representing one of the strongest appreciation rates on this list. Your real estate dollar stretches incredibly far in this historic shipbuilding community, where you can enjoy riverside living, community events, and a relaxed pace of life that’s increasingly hard to find at this price point.
16. Westover
Historic home prices and percent change over time:
- 2025 Home Value: $215,092
- 2020 Home Value: $150,516
- 2015 Home Value: $125,990
- 2010 Home Value: $123,072
- % Change from 2020 to 2025: 42.90%
- % Change from 2015 to 2025: 70.72%
- % Change from 2010 to 2025: 74.77%
About Westover
You’ll find incredible value in Westover, a charming community in Somerset County that offers rural tranquility with convenient access to Princess Anne and Salisbury. Home values have climbed 74.77% since 2010, reflecting growing interest in this affordable market. Your investment here provides access to generous lot sizes, historic architecture, and a peaceful countryside atmosphere that’s increasingly rare at this price point in Maryland.
15. Princess Anne
Historic home prices and percent change over time:
- 2025 Home Value: $214,668
- 2020 Home Value: $140,064
- 2015 Home Value: $115,393
- 2010 Home Value: $121,404
- % Change from 2020 to 2025: 53.26%
- % Change from 2015 to 2025: 86.03%
- % Change from 2010 to 2025: 76.82%
About Princess Anne
Home to the University of Maryland Eastern Shore, Princess Anne offers you a blend of historic small-town character and college-town amenities at a remarkably affordable price point. Since 2010, property values have surged 76.82%, demonstrating this town’s growing appeal. Your real estate dollar stretches surprisingly far in this colonial-era community, where you can find historic homes, tree-lined streets, and a vibrant downtown area – all for significantly less than Maryland’s average home price.
14. Pocomoke City
Historic home prices and percent change over time:
- 2025 Home Value: $212,509
- 2020 Home Value: $143,729
- 2015 Home Value: $113,479
- 2010 Home Value: $113,400
- % Change from 2020 to 2025: 47.85%
- % Change from 2015 to 2025: 87.27%
- % Change from 2010 to 2025: 87.40%
About Pocomoke City
Located along the scenic Pocomoke River, this charming community offers you waterfront living opportunities at a fraction of typical coastal prices. With 87.40% growth since 2010, Pocomoke City has demonstrated strong appreciation while maintaining exceptional affordability. Your investment here gets you access to the Pocomoke River’s recreational opportunities, a walkable downtown with historic architecture, and a laid-back Eastern Shore lifestyle that typically commands much higher prices elsewhere in Maryland.
13. Stockton
Historic home prices and percent change over time:
- 2025 Home Value: $212,423
- 2020 Home Value: $144,204
- 2015 Home Value: $113,211
- 2010 Home Value: $104,056
- % Change from 2020 to 2025: 47.31%
- % Change from 2015 to 2025: 87.63%
- % Change from 2010 to 2025: 104.14%
About Stockton
Discover extraordinary value in Stockton, a peaceful Worcester County community that represents one of Maryland’s best-kept real estate secrets. Property values have doubled since 2010, showing remarkable 104.14% growth that outpaces many more expensive markets. Your housing dollar stretches remarkably far in this tranquil community that offers you rural charm and proximity to coastal attractions without the premium prices typically associated with Maryland’s Eastern Shore.
12. Flintstone
Historic home prices and percent change over time:
- 2025 Home Value: $210,823
- 2020 Home Value: $162,070
- 2015 Home Value: $142,395
- 2010 Home Value: $134,040
- % Change from 2020 to 2025: 30.08%
- % Change from 2015 to 2025: 48.06%
- % Change from 2010 to 2025: 57.28%
About Flintstone
With its whimsical name and seriously affordable housing, Flintstone gives you access to Maryland’s spectacular mountain scenery without the hefty price tag. Located in Allegany County near Rocky Gap State Park, this community has seen steady 57.28% growth since 2010. Your investment here provides access to outdoor recreation, spacious lots, and natural beauty that would command premium prices in other parts of the state.
11. Marion Station
Historic home prices and percent change over time:
- 2025 Home Value: $205,050
- 2020 Home Value: $139,913
- 2015 Home Value: $115,337
- 2010 Home Value: $112,748
- % Change from 2020 to 2025: 46.56%
- % Change from 2015 to 2025: 77.78%
- % Change from 2010 to 2025: 81.87%
About Marion Station
Uncover authentic Eastern Shore living in Marion Station, where home values have climbed an impressive 81.87% since 2010 while remaining remarkably affordable. This historic community gives you the opportunity to experience Somerset County’s rural charm and proximity to the Chesapeake Bay at a fraction of typical coastal prices. Your real estate dollar stretches surprisingly far in this quiet community that offers genuine Maryland heritage without the premium price tag.
10. Mountain Lake Park
Historic home prices and percent change over time:
- 2025 Home Value: $200,123
- 2020 Home Value: $138,434
- 2015 Home Value: $116,180
- 2010 Home Value: $119,671
- % Change from 2020 to 2025: 44.56%
- % Change from 2015 to 2025: 72.25%
- % Change from 2010 to 2025: 67.23%
About Mountain Lake Park
Imagine mountain views and four-season recreation possibilities at prices that seem almost too good to be true. In Mountain Lake Park, you’ll find Victorian-era charm and proximity to Deep Creek Lake’s recreational wonderland at an exceptional value. Property values have increased 67.23% since 2010, yet this Garrett County gem remains one of Maryland’s most affordable destinations. Your investment here provides access to skiing, hiking, fishing, and mountain living at a fraction of the cost typically associated with resort communities.
9. Deal Island
Historic home prices and percent change over time:
- 2025 Home Value: $197,390
- 2020 Home Value: $142,660
- 2015 Home Value: $119,999
- 2010 Home Value: $124,733
- % Change from 2020 to 2025: 38.36%
- % Change from 2015 to 2025: 64.49%
- % Change from 2010 to 2025: 58.25%
About Deal Island
Experience authentic Chesapeake Bay island living at a price point that defies expectations. Deal Island offers you waterfront possibilities, maritime heritage, and spectacular wildlife viewing at values that have appreciated 58.25% since 2010 while remaining remarkably accessible. Your investment here connects you to centuries of watermen traditions, stunning sunsets over the Tangier Sound, and a slower pace of life that’s increasingly rare in today’s fast-paced world – all at a price that’s less than half of comparable waterview properties elsewhere in Maryland.
8. Baltimore
Historic home prices and percent change over time:
- 2025 Home Value: $186,508
- 2020 Home Value: $143,688
- 2015 Home Value: $104,401
- 2010 Home Value: $111,279
- % Change from 2020 to 2025: 29.80%
- % Change from 2015 to 2025: 78.65%
- % Change from 2010 to 2025: 67.60%
About Baltimore
Maryland’s largest city offers you surprising affordability and incredible opportunity in a major urban center. Baltimore’s average home value has climbed 67.60% since 2010, yet remains remarkably accessible compared to nearby Washington D.C. and other East Coast cities. Your real estate dollar stretches incredibly far here, where you can find historic row homes, waterfront views, and vibrant neighborhoods with world-class cultural institutions just steps away. As Baltimore continues its renaissance, your investment potential in this dynamic city is substantially higher than many realize.
7. Oldtown
Historic home prices and percent change over time:
- 2025 Home Value: $184,159
- 2020 Home Value: $138,469
- 2015 Home Value: $119,491
- 2010 Home Value: $114,174
- % Change from 2020 to 2025: 33.00%
- % Change from 2015 to 2025: 54.12%
- % Change from 2010 to 2025: 61.30%
About Oldtown
Tucked along the North Branch of the Potomac River, Oldtown gives you a glimpse into America’s frontier past at prices that seem equally historic. This tiny Allegany County community has seen steady appreciation of 61.30% since 2010 while maintaining exceptional affordability. Your investment here provides access to a peaceful rural setting with river recreation opportunities and a sense of history that dates back to George Washington’s era – all at a price point that feels like a throwback to an earlier time.
6. Frostburg
Historic home prices and percent change over time:
- 2025 Home Value: $168,656
- 2020 Home Value: $125,893
- 2015 Home Value: $109,469
- 2010 Home Value: $102,279
- % Change from 2020 to 2025: 33.97%
- % Change from 2015 to 2025: 54.07%
- % Change from 2010 to 2025: 64.90%
About Frostburg
As a college town with mountain character, Frostburg combines youthful energy with historic architecture at prices that will make you do a double-take. Home to Frostburg State University, this Allegany County community has seen solid 64.90% appreciation since 2010 while remaining incredibly affordable. Your housing dollar stretches remarkably far here, where you can find charming Victorian homes, walkable neighborhoods, and four-season recreational opportunities in a vibrant small-town setting with cultural amenities that far exceed what you’d expect at this price point.
5. Rawlings
Historic home prices and percent change over time:
- 2025 Home Value: $165,952
- 2020 Home Value: $118,080
- 2015 Home Value: $96,215
- 2010 Home Value: $82,852
- % Change from 2020 to 2025: 40.54%
- % Change from 2015 to 2025: 72.48%
- % Change from 2010 to 2025: 100.30%
About Rawlings
Discover exceptional value in Rawlings, where home prices have doubled since 2010 yet remain astonishingly affordable. This quiet Allegany County community offers you rural tranquility with easy access to Cumberland and the region’s natural beauty. Your investment potential here is highlighted by the impressive 100.30% growth over the past 15 years, making this unassuming community one of Maryland’s hidden real estate opportunities where your housing dollar stretches twice as far as the state average.
4. Crisfield
Historic home prices and percent change over time:
- 2025 Home Value: $154,900
- 2020 Home Value: $96,101
- 2015 Home Value: $78,323
- 2010 Home Value: $92,448
- % Change from 2020 to 2025: 61.18%
- % Change from 2015 to 2025: 97.77%
- % Change from 2010 to 2025: 67.55%
About Crisfield
Known as the “Seafood Capital of the World,” Crisfield offers you authentic Chesapeake Bay living at an astonishingly accessible price point. This historic fishing community has seen remarkable 97.77% growth since 2015, yet remains one of Maryland’s most affordable waterfront destinations. Your real estate dollar goes incredibly far in this charming port town, where you can find waterview properties, fresh seafood straight off the boat, and access to Tangier and Smith Islands – all at a fraction of what you’d pay for waterfront living elsewhere in the state.
3. Cumberland
Historic home prices and percent change over time:
- 2025 Home Value: $144,896
- 2020 Home Value: $106,181
- 2015 Home Value: $94,457
- 2010 Home Value: $87,078
- % Change from 2020 to 2025: 36.46%
- % Change from 2015 to 2025: 53.40%
- % Change from 2010 to 2025: 66.40%
About Cumberland
Western Maryland’s largest city offers you exceptional value with its blend of Victorian architecture, mountain scenery, and rich industrial heritage. Cumberland has experienced steady 66.40% appreciation since 2010 while maintaining extraordinary affordability. Your investment here provides access to stunning historic homes that would cost multiples more in other markets, a walkable downtown with arts and dining options, and easy access to outdoor recreation along the Great Allegheny Passage and C&O Canal. Cumberland’s renaissance as a tourism destination adds potential upside to this already remarkable value proposition.
2. Mount Savage
Historic home prices and percent change over time:
- 2025 Home Value: $112,397
- 2020 Home Value: $81,753
- 2015 Home Value: $71,089
- 2010 Home Value: $63,889
- % Change from 2020 to 2025: 37.48%
- % Change from 2015 to 2025: 58.11%
- % Change from 2010 to 2025: 75.93%
About Mount Savage
Just a short drive from Cumberland, Mount Savage offers you remarkable value with its rich industrial history and mountain setting. This former iron-making center has seen impressive 75.93% appreciation since 2010 while remaining Maryland’s second most affordable community. Your housing dollar stretches incredibly far in this historic village, where you can find well-built homes at prices that seem transported from decades past. The community’s strong sense of heritage, mountain views, and proximity to regional amenities make it an exceptional value proposition for those seeking authenticity without the premium price tag.
1. Westernport
Historic home prices and percent change over time:
- 2025 Home Value: $85,448
- 2020 Home Value: $72,131
- 2015 Home Value: $61,091
- 2010 Home Value: $46,693
- % Change from 2020 to 2025: 18.46%
- % Change from 2015 to 2025: 39.87%
- % Change from 2010 to 2025: 83.00%
About Westernport
Sitting at the junction of the North Branch Potomac River and Georges Creek, Westernport claims the title of Maryland’s most affordable town. Despite its budget-friendly status, this Allegany County community has experienced remarkable 83.00% growth since 2010. Your investment potential here is extraordinary – where else in Maryland can you find riverside properties and mountain views at prices under $90,000? Westernport’s industrial heritage, natural beauty, and unmatched affordability create a unique opportunity for first-time homebuyers or investors looking for maximum value in a state known for its high housing costs.
