Market Overview
Home Prices in Ellicott City, MD
The median home value in Ellicott City, MD is $748,152 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 0.2% compared to a year ago and up 1.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ellicott City are priced82% above average. Ellicott City is part of the Baltimore-Columbia-Towson, MD metro area.
Over the past five years, Ellicott City home values have risen by approximately17.6%, reflecting steady appreciation in this market.
Price History
Ellicott City Home Price Trend
City Comparison
Ellicott City vs. National Median
At $748,152, homes in Ellicott City cost 82% above the national median of $410,000. Buyers in Ellicott City should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Ellicott City?
20% Down Payment
$149,630
on $748,152
Monthly P&I
$3,902/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,956/mo
incl. taxes & insurance
Income Needed
$198,240
gross annual (30% rule)
10% Down Option
$74,815
+ PMI applies
Loan Amount (20% dn)
$598,522
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 Ellicott City, MD?
The median home value in Ellicott City is $748,152 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 0.2% year-over-year.
How much have home prices changed in Ellicott City?
Over the past year, home values in Ellicott City have decreased by 0.2%. Over five years, prices have risen approximately 17.6%.
How much do I need to earn to buy a home in Ellicott City?
To comfortably afford the median home price of $748,152 with a 20% down payment ($149,630) at today's rates (6.8%), you'd need a gross annual income of approximately $198,240. This assumes keeping total housing costs at or below 30% of gross income.
How does Ellicott City compare to the national average home price?
The national median home value is approximately $410,000. At $748,152, homes in Ellicott City are 82% above the national average.
What metro area is Ellicott City part of?
Ellicott City is part of the Baltimore-Columbia-Towson, MD metropolitan area. Home prices and market conditions can vary across the broader metro region.