Maryland mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Montgomery County | 7,829 | 6.375% | $6,741 | 6.124% |
| Prince George's County | 7,427 | 6.49% | $10,386 | 6% |
| Baltimore County | 6,722 | 6.5% | $7,646 | 6.125% |
| Anne Arundel County | 6,267 | 6.49% | $8,314 | 5.999% |
| Baltimore city | 4,686 | 6.5% | $7,315 | 6.25% |
| Frederick County | 3,250 | 6.5% | $7,196 | 5.99% |
| Howard County | 2,974 | 6.49% | $6,878 | 5.99% |
| Harford County | 2,828 | 6.5% | $7,712 | 6% |
| Charles County | 2,417 | 6.25% | $11,459 | 5.99% |
| Carroll County | 1,684 | 6.5% | $6,618 | 6.099% |
| Washington County | 1,336 | 6.5% | $8,085 | 6.125% |
| St. Mary's County | 1,274 | 6.375% | $8,861 | 5.99% |
| Calvert County | 1,038 | 6.412% | $9,669 | 5.99% |
| Cecil County | 950 | 6.5% | $7,638 | 6.12% |
| Wicomico County | 914 | 6.5% | $7,727 | 6.25% |
| Queen Anne's County | 727 | 6.49% | $7,394 | 5.99% |
| Worcester County | 555 | 6.625% | $6,603 | 6.25% |
| Allegany County | 465 | 6.5% | $4,337 | 6.25% |
| Dorchester County | 338 | 6.6% | $8,250 | 6.25% |
| Talbot County | 331 | 6.624% | $6,893 | 6.125% |
| Caroline County | 313 | 6.49% | $8,260 | 6.25% |
| Somerset County | 168 | 6.625% | $7,197 | 6.375% |
| Garrett County | 165 | 6.49% | $5,139 | 6.375% |
| Kent County | 157 | 6.625% | $7,766 | 6.125% |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.