Market Overview
Home Prices in Cottage City, MD
The median home value in Cottage City, MD is $366,353 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.1% compared to a year ago and down 0.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cottage City are priced11% below average. Cottage City is part of the Washington-Arlington-Alexandria, DC-VA-MD-WV metro area.
Over the past five years, Cottage City home values have risen by approximately3.8%, reflecting modest growth in this market.
Price History
Cottage City Home Price Trend
City Comparison
Cottage City vs. National Median
At $366,353, homes in Cottage City cost 11% below the national median of $410,000. This makes Cottage City a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cottage City?
20% Down Payment
$73,271
on $366,353
Monthly P&I
$1,911/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,427/mo
incl. taxes & insurance
Income Needed
$97,080
gross annual (30% rule)
10% Down Option
$36,635
+ PMI applies
Loan Amount (20% dn)
$293,082
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 Cottage City, MD?
The median home value in Cottage City is $366,353 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.1% year-over-year.
How much have home prices changed in Cottage City?
Over the past year, home values in Cottage City have increased by 0.1%. Over five years, prices have risen approximately 3.8%.
How much do I need to earn to buy a home in Cottage City?
To comfortably afford the median home price of $366,353 with a 20% down payment ($73,271) at today's rates (6.8%), you'd need a gross annual income of approximately $97,080. This assumes keeping total housing costs at or below 30% of gross income.
How does Cottage City compare to the national average home price?
The national median home value is approximately $410,000. At $366,353, homes in Cottage City are 11% below the national average.
What metro area is Cottage City part of?
Cottage City 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.