Maryland
Local Housing Market · Zillow ZHVI · July 2026
$433,112
Typical Home Value
▲ 0.0% YoY ▼ 0.04% MoM
6.65%
30Y Mortgage Rate
PMMS · Aug 20, 2026
9bps
YoY Rate Change
▲ Higher than 1yr ago
195bps
30Y/10Y Spread
Norm ~170bps
🏘 Maryland Home Values
Zillow Home Value Index (ZHVI)
ZillowTypical Home Value
$433,112
▲ 0.0% YoY
Month-over-Month
▼ 0.04% MoM
July 2026
Data Period
July 2026
Updated monthly
Zillow ZHVI · State-level · Smoothed, seasonally adjusted · Updated monthly
📊 National Mortgage Rates
Current Mortgage Rates
Freddie Mac PMMS30Y Fixed
6.65%
PMMS · Aug 20, 2026
15Y Fixed
5.95%
PMMS · Aug 20, 2026
1yr Ago 30Y
6.56%
▲ Rates higher now
30Y/10Y Spread
195bps
Tight · norm ~170bps
Freddie Mac PMMS via FRED · National rates · State-specific rates may vary slightly
📋 Realtor.com Market Data · Maryland
Market Indicators
REALTOR.COM🏦 LO Market Signal · July 2026
• Inventory is up 16.8% YoY and listing prices are softening 4.5% YoY with 19.6% of listings carrying a price cut. Appraisal risk is lower, but watch for value gaps on pending deals.
• Homes are selling in a median 43 days — a moderate-paced market. Pending ratio is 0.5 — strong buyer demand, expect competitive purchase timelines.
• New listings are increasing 4.6% YoY. More sellers entering the market supports purchase loan volume.
Median Listing Price
$429,995
▼ 4.5% YoY
Median Days on Market
43d
0d YoY
Active Listings
16,340
▲ 16.8% YoY
New Listings
7,570
▲ 4.6% YoY
Price Reduced Share
19.6%
of active listings
Pending Ratio
0.5
pending ÷ active
Realtor.com Research · State-level inventory data · Updated monthly
Hottest Markets in Maryland
REALTOR.COMTop metros by national hotness rank (supply + demand composite) · July 2026
Lexington Park
▼ COOLING
National rank #78
Median Price
$499,949
Median DOM
32d
Demand score 42/100
Hagerstown-Martinsburg
▼ COOLING
National rank #91
Median Price
$369,427
Median DOM
40d
Demand score 52/100
Baltimore-Columbia-Towson
▼ COOLING
National rank #143
Median Price
$377,945
Median DOM
39d
Demand score 17/100
Realtor.com Hotness Index · Metro-level · Higher demand score = more buyer activity relative to supply