Market Overview
Home Prices in Church Creek, MD
The median home value in Church Creek, MD is $277,837 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 6.9% compared to a year ago and up 0.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Church Creek are priced32% below average. Church Creek is part of the Cambridge, MD metro area.
Over the past five years, Church Creek home values have risen by approximately27.0%, reflecting strong long-term appreciation in this market.
Price History
Church Creek Home Price Trend
City Comparison
Church Creek vs. National Median
At $277,837, homes in Church Creek cost 32% below the national median of $410,000. This makes Church Creek a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Church Creek?
20% Down Payment
$55,567
on $277,837
Monthly P&I
$1,449/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,840/mo
incl. taxes & insurance
Income Needed
$73,600
gross annual (30% rule)
10% Down Option
$27,784
+ PMI applies
Loan Amount (20% dn)
$222,270
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 Church Creek, MD?
The median home value in Church Creek is $277,837 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 6.9% year-over-year.
How much have home prices changed in Church Creek?
Over the past year, home values in Church Creek have increased by 6.9%. Over five years, prices have risen approximately 27.0%.
How much do I need to earn to buy a home in Church Creek?
To comfortably afford the median home price of $277,837 with a 20% down payment ($55,567) at today's rates (6.8%), you'd need a gross annual income of approximately $73,600. This assumes keeping total housing costs at or below 30% of gross income.
How does Church Creek compare to the national average home price?
The national median home value is approximately $410,000. At $277,837, homes in Church Creek are 32% below the national average.
What metro area is Church Creek part of?
Church Creek is part of the Cambridge, MD metropolitan area. Home prices and market conditions can vary across the broader metro region.