Market Overview
Home Prices in Charlotte Hall, MD
The median home value in Charlotte Hall, MD is $500,033 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.4% compared to a year ago and up 2.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Charlotte Hall are priced22% above average. Charlotte Hall is part of the Washington-Arlington-Alexandria, DC-VA-MD-WV metro area.
Over the past five years, Charlotte Hall home values have risen by approximately12.9%, reflecting steady appreciation in this market.
Price History
Charlotte Hall Home Price Trend
City Comparison
Charlotte Hall vs. National Median
At $500,033, homes in Charlotte Hall cost 22% above the national median of $410,000. Buyers in Charlotte Hall should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Charlotte Hall?
20% Down Payment
$100,007
on $500,033
Monthly P&I
$2,608/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,312/mo
incl. taxes & insurance
Income Needed
$132,480
gross annual (30% rule)
10% Down Option
$50,003
+ PMI applies
Loan Amount (20% dn)
$400,026
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Charlotte Hall, MD?
The median home value in Charlotte Hall is $500,033 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.4% year-over-year.
How much have home prices changed in Charlotte Hall?
Over the past year, home values in Charlotte Hall have increased by 1.4%. Over five years, prices have risen approximately 12.9%.
How much do I need to earn to buy a home in Charlotte Hall?
To comfortably afford the median home price of $500,033 with a 20% down payment ($100,007) at today's rates (6.8%), you'd need a gross annual income of approximately $132,480. This assumes keeping total housing costs at or below 30% of gross income.
How does Charlotte Hall compare to the national average home price?
The national median home value is approximately $410,000. At $500,033, homes in Charlotte Hall are 22% above the national average.
What metro area is Charlotte Hall part of?
Charlotte Hall is part of the Washington-Arlington-Alexandria, DC-VA-MD-WV metropolitan area. Home prices and market conditions can vary across the broader metro region.