Looking for affordable housing options in Maryland? According to the Zillow Home Value Index, there are several towns across the state where you can find significantly lower home values compared to the state average. The data reveals fascinating patterns about Maryland’s housing market evolution over the past 15 years.
You might be surprised to discover that many of the most affordable towns are clustered in western Maryland’s Allegany and Garrett counties, where home values have shown remarkable growth despite remaining well below the state average. The average home value for the 25 least expensive towns is $144,623 as of February 2025, with some towns showing growth rates of over 90% since 2010.
Interestingly, while these towns remain affordable, they’ve experienced significant appreciation, especially since the pandemic began in 2020. The average growth rate from 2020 to 2025 across these towns is an impressive 39.1%, demonstrating that even Maryland’s most affordable markets have seen substantial price increases in recent years.
1. Pocomoke City
- 2025 Home Value: $208,073
- 2020 Home Value: $138,661
- 2015 Home Value: $110,903
- 2010 Home Value: $109,432
- % Change 2010-2025: 90.1%
- % Change 2015-2025: 87.6%
- % Change 2020-2025: 50.1%
Positioned at the southern tip of Worcester County along the Pocomoke River, Pocomoke City tops our list with one of the most impressive growth stories. You can track its dramatic appreciation from $109,432 in 2010 to $208,073 in 2025, representing a substantial 90.1% increase over 15 years. This small city has experienced particularly strong recent growth with a 50.1% increase since 2020, suggesting this historic river town with its walkable downtown has increasingly attracted homebuyers while remaining relatively affordable compared to nearby Ocean City and other coastal communities.
2. Flintstone
- 2025 Home Value: $206,063
- 2020 Home Value: $157,722
- 2015 Home Value: $139,143
- 2010 Home Value: $131,125
- % Change 2010-2025: 57.1%
- % Change 2015-2025: 48.1%
- % Change 2020-2025: 30.6%
Nestled in the Green Ridge State Forest of Allegany County, Flintstone demonstrates steady but modest growth compared to other affordable Maryland communities. You’ll observe its progression from $131,125 in 2010 to $206,063 in 2025, representing a 57.1% increase over 15 years. This rural community surrounded by state forest lands has seen 30.6% growth since 2020, offering a combination of natural beauty and affordability that appeals to outdoor enthusiasts seeking value in western Maryland.
3. Mardela Springs
- 2025 Home Value: $205,133
- 2020 Home Value: N/A
- 2015 Home Value: N/A
- 2010 Home Value: N/A
- % Change 2010-2025: N/A
- % Change 2015-2025: N/A
- % Change 2020-2025: N/A
Located in Wicomico County along the Nanticoke River, Mardela Springs offers homes at an average value of $205,133 in 2025. Without historical data available, it’s not possible to analyze growth trends for this small community.
4. Marion Station
- 2025 Home Value: $202,174
- 2020 Home Value: $136,876
- 2015 Home Value: $113,577
- 2010 Home Value: $111,541
- % Change 2010-2025: 81.3%
- % Change 2015-2025: 78.0%
- % Change 2020-2025: 47.7%
Situated on the Eastern Shore in Somerset County, Marion Station showcases impressive and consistent growth. You can track its steady appreciation from $111,541 in 2010 to $202,174 in 2025, representing a remarkable 81.3% increase over 15 years. The community has seen particularly accelerated growth since 2020 with a 47.7% increase in just five years, suggesting this former railroad town and strawberry shipping center has attracted significant interest while remaining relatively affordable by Maryland standards.
5. Mountain Lake Park
- 2025 Home Value: $200,025
- 2020 Home Value: $137,704
- 2015 Home Value: $116,296
- 2010 Home Value: $119,457
- % Change 2010-2025: 67.4%
- % Change 2015-2025: 72.0%
- % Change 2020-2025: 45.3%
Located in Garrett County near Deep Creek Lake, Mountain Lake Park shows an interesting trajectory with home values initially declining from $119,457 in 2010 to $116,296 in 2015, before rebounding dramatically to $200,025 by 2025. You can see this represents a strong 67.4% growth since 2010 and an even more impressive 72% increase since 2015. This historic summer resort community has seen particularly strong recent growth with a 45.3% increase since 2020, suggesting growing interest in this mountain town that offers four-season recreation opportunities while remaining affordable by Maryland standards.
6. Deal Island
- 2025 Home Value: $195,851
- 2020 Home Value: $140,376
- 2015 Home Value: $119,338
- 2010 Home Value: $124,291
- % Change 2010-2025: 57.6%
- % Change 2015-2025: 64.1%
- % Change 2020-2025: 39.5%
Situated on the Chesapeake Bay in Somerset County, Deal Island reveals an interesting growth pattern among Maryland’s affordable communities. You’ll observe that home values actually decreased from $124,291 in 2010 to $119,338 in 2015, before surging to $195,851 by 2025. This represents a solid 57.6% increase since 2010, but a more impressive 64.1% growth since its low point in 2015.
7. Baltimore
- 2025 Home Value: $182,997
- 2020 Home Value: $140,097
- 2015 Home Value: $102,869
- 2010 Home Value: $109,216
- % Change 2010-2025: 67.6%
- % Change 2015-2025: 77.9%
- % Change 2020-2025: 30.6%
Anchoring Maryland as its largest city, Baltimore represents the only major urban center among the state’s most affordable communities. You can trace its interesting trajectory from $109,216 in 2010 to a slight decline at $102,869 in 2015, before rebounding strongly to reach $182,997 by 2025. This represents a robust 67.6% increase since 2010 and an even more impressive 77.9% growth since its low point in 2015.
8. Oldtown
- 2025 Home Value: $182,738
- 2020 Home Value: $137,242
- 2015 Home Value: $118,723
- 2010 Home Value: $113,603
- % Change 2010-2025: 60.9%
- % Change 2015-2025: 53.9%
- % Change 2020-2025: 33.2%
Nestled along the Potomac River in Allegany County, Oldtown presents a story of steady growth and continued affordability. You’ll notice the progression from $113,603 in 2010 to $182,738 in 2025, representing a solid 60.9% increase over 15 years. This historic settlement, one of Maryland’s oldest communities dating back to the 1700s, has seen accelerated growth of 33.2% since 2020, reflecting increased interest in this rural river community that offers a connection to Maryland’s frontier past.
9. Frostburg
- 2025 Home Value: $164,798
- 2020 Home Value: $123,175
- 2015 Home Value: $107,537
- 2010 Home Value: $100,602
- % Change 2010-2025: 63.8%
- % Change 2015-2025: 53.2%
- % Change 2020-2025: 33.8%
Located in the mountains of Allegany County at an elevation of 2,000 feet, Frostburg demonstrates steady growth while maintaining affordability. You can observe its consistent appreciation from $100,602 in 2010 to $164,798 in 2025, representing a solid 63.8% increase over 15 years.
10. Rawlings
- 2025 Home Value: $160,910
- 2020 Home Value: $113,734
- 2015 Home Value: $93,757
- 2010 Home Value: $80,447
- % Change 2010-2025: 100.0%
- % Change 2015-2025: 71.6%
- % Change 2020-2025: 41.5%
Positioned in Allegany County along the Potomac River, Rawlings showcases the strongest long-term growth among Maryland’s affordable communities. Your investment would have precisely doubled from $80,447 in 2010 to $160,910 in 2025, representing an impressive 100% increase. The community has maintained strong momentum with 71.6% growth since 2015 and 41.5% since 2020, suggesting this small unincorporated community has increasingly attracted interest while remaining accessible to homebuyers seeking value in western Maryland.
11. Deer Park
- 2025 Home Value: $158,595
- 2020 Home Value: N/A
- 2015 Home Value: N/A
- 2010 Home Value: N/A
- % Change 2010-2025: N/A
- % Change 2015-2025: N/A
- % Change 2020-2025: N/A
Nestled in Garrett County’s mountains at an elevation of over 2,400 feet, Deer Park offers a unique combination of historical charm and affordability with home values averaging $158,595 in 2025. While historical data isn’t available to track its growth, you’ll discover this Victorian-era resort town once frequented by presidents provides mountain living at a price point that remains well below Maryland’s average.
12. Loch Lynn Heights
- 2025 Home Value: $153,319
- 2020 Home Value: N/A
- 2015 Home Value: N/A
- 2010 Home Value: N/A
- % Change 2010-2025: N/A
- % Change 2015-2025: N/A
- % Change 2020-2025: N/A
Situated in picturesque Garrett County near Oakland, Loch Lynn Heights offers homes at an average value of $153,319 in 2025. Without historical data available, it’s not possible to track this community’s growth over time.
13. Crisfield
- 2025 Home Value: $147,331
- 2020 Home Value: $90,353
- 2015 Home Value: $75,001
- 2010 Home Value: $88,214
- % Change 2010-2025: 67.0%
- % Change 2015-2025: 96.4%
- % Change 2020-2025: 63.1%
Located at the southernmost tip of Maryland’s Eastern Shore in Somerset County, Crisfield displays one of the most dramatic growth stories among affordable Maryland towns. You’ll notice that home values actually declined from $88,214 in 2010 to $75,001 in 2015, before rebounding dramatically to reach $147,331 by 2025. This represents a remarkable 96.4% increase since 2015 and an extraordinary 63.1% growth since 2020, suggesting a significant renaissance for this historic seafood hub known as the “Seafood Capital of the World.”
14. Cumberland
- 2025 Home Value: $140,541
- 2020 Home Value: $103,334
- 2015 Home Value: $92,515
- 2010 Home Value: $85,033
- % Change 2010-2025: 65.3%
- % Change 2015-2025: 51.9%
- % Change 2020-2025: 36.0%
Anchoring western Maryland as Allegany County’s seat, Cumberland stands as the largest city among Maryland’s most affordable communities. You can trace its steady growth from $85,033 in 2010 to $140,541 in 2025, representing a solid 65.3% increase over 15 years. Since 2020, this historic transportation hub has seen a 36% growth in home values, reflecting increased interest in this former industrial center that offers urban amenities, historic architecture, and cultural attractions at a fraction of the price of homes in Maryland’s more populous regions.
15. Ellerslie
- 2025 Home Value: $122,370
- 2020 Home Value: N/A
- 2015 Home Value: N/A
- 2010 Home Value: N/A
- % Change 2010-2025: N/A
- % Change 2015-2025: N/A
- % Change 2020-2025: N/A
Positioned at the Pennsylvania border in Allegany County, Ellerslie represents another western Maryland community with exceptional affordability at $122,370 in 2025. Without historical data available, it’s not possible to track this community’s appreciation over time.
16. Wingate
- 2025 Home Value: $113,876
- 2020 Home Value: N/A
- 2015 Home Value: N/A
- 2010 Home Value: N/A
- % Change 2010-2025: N/A
- % Change 2015-2025: N/A
- % Change 2020-2025: N/A
Nestled on the water in Dorchester County on Maryland’s Eastern Shore, Wingate offers waterfront living possibilities at just $113,876 in 2025. Historical data isn’t available to track this community’s growth trajectory over time.
17. Lonaconing
- 2025 Home Value: $110,275
- 2020 Home Value: N/A
- 2015 Home Value: N/A
- 2010 Home Value: N/A
- % Change 2010-2025: N/A
- % Change 2015-2025: N/A
- % Change 2020-2025: N/A
Situated in a valley of western Maryland’s Garrett County, Lonaconing offers home values averaging $110,275 in 2025. Without historical data available, it’s not possible to analyze growth trends for this community. You’ll appreciate that this former iron and coal town, known locally as “Coney,” provides access to the Appalachian Mountains’ natural beauty while maintaining home values that rank among Maryland’s most affordable, at less than a third of the state’s average home value.
18. Midland
- 2025 Home Value: $107,548
- 2020 Home Value: N/A
- 2015 Home Value: N/A
- 2010 Home Value: N/A
- % Change 2010-2025: N/A
- % Change 2015-2025: N/A
- % Change 2020-2025: N/A
Located in Allegany County’s Georges Creek Valley, Midland presents affordable housing opportunities with an average home value of $107,548 in 2025. Though historical data isn’t available to track this town’s growth, you’ll find this former coal mining community offers significant value compared to Maryland’s average home prices.
19. Mount Savage
- 2025 Home Value: $106,580
- 2020 Home Value: $76,843
- 2015 Home Value: $67,590
- 2010 Home Value: $60,603
- % Change 2010-2025: 75.9%
- % Change 2015-2025: 57.7%
- % Change 2020-2025: 38.7%
Perched in the highlands of Allegany County, Mount Savage demonstrates strong and consistent growth while maintaining affordability. Your investment would have appreciated considerably from $60,603 in 2010 to $106,580 in 2025, representing a 75.9% increase over 15 years. The community has seen accelerated growth since 2020 with a 38.7% increase, suggesting increasing interest in this historic industrial town known for its brick-making heritage.
20. Barton
- 2025 Home Value: $102,936
- 2020 Home Value: $73,946
- 2015 Home Value: N/A
- 2010 Home Value: N/A
- % Change 2010-2025: N/A
- % Change 2015-2025: N/A
- % Change 2020-2025: 39.2%
Settled along Georges Creek in Garrett County, Barton represents another western Maryland community with exceptional affordability. You can see that home values have increased substantially from $73,946 in 2020 to $102,936 in 2025, reflecting a robust 39.2% growth in just five years.
21. Bloomington
- 2025 Home Value: $98,363
- 2020 Home Value: N/A
- 2015 Home Value: N/A
- 2010 Home Value: N/A
- % Change 2010-2025: N/A
- % Change 2015-2025: N/A
- % Change 2020-2025: N/A
Positioned in the mountainous terrain of Garrett County near the West Virginia border, Bloomington offers homes at an average value of $98,363 in 2025, making it the fifth most affordable town in Maryland. Without historical data available, it’s not possible to track this community’s growth pattern. You’ll discover this small former railroad town provides access to western Maryland’s natural beauty at a price point that remains under $100,000, a rarity in today’s housing market.
22. Toddville
- 2025 Home Value: $92,099
- 2020 Home Value: N/A
- 2015 Home Value: N/A
- 2010 Home Value: N/A
- % Change 2010-2025: N/A
- % Change 2015-2025: N/A
- % Change 2020-2025: N/A
Tucked away in the marshlands of Dorchester County on Maryland’s Eastern Shore, Toddville presents an exceptionally affordable option with average home values of $92,099 in 2025. While historical data is unavailable for this small fishing community, its current pricing makes it the fourth most affordable town in Maryland.
23. Ewell
- 2025 Home Value: $89,993
- 2020 Home Value: N/A
- 2015 Home Value: N/A
- 2010 Home Value: N/A
- % Change 2010-2025: N/A
- % Change 2015-2025: N/A
- % Change 2020-2025: N/A
Situated on Smith Island in Somerset County and accessible only by boat, Ewell represents one of Maryland’s most unique communities with homes valued at just $89,993 in 2025. Historical data isn’t available for this isolated watermen’s community, so tracking its growth trajectory isn’t possible.
24. Westernport
- 2025 Home Value: $82,808
- 2020 Home Value: $69,961
- 2015 Home Value: $59,160
- 2010 Home Value: $45,381
- % Change 2010-2025: 82.5%
- % Change 2015-2025: 40.0%
- % Change 2020-2025: 18.4%
Located in Allegany County along the North Branch of the Potomac River, Westernport offers the second most affordable housing market in Maryland. You can observe the steady growth in home values from $45,381 in 2010 to $82,808 in 2025, representing an impressive 82.5% increase over this 15-year period. The town saw more modest growth of 18.4% since 2020, suggesting a slower pace of appreciation compared to many other affordable Maryland communities in recent years.
25. Kitzmiller
- 2025 Home Value: $80,174
- 2020 Home Value: N/A
- 2015 Home Value: N/A
- 2010 Home Value: N/A
- % Change 2010-2025: N/A
- % Change 2015-2025: N/A
- % Change 2020-2025: N/A
Nestled in the picturesque Garrett County of western Maryland, Kitzmiller stands as the most affordable town in the state with an average home value of just $80,174 in 2025. Unfortunately, historical data isn’t available for this small community, making it impossible to track its growth trajectory over time. Despite the lack of historical data, you’ll find this coal mining heritage town offers exceptional affordability compared to Maryland’s average home values.
