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📍 Federalsburg, MD · Zillow ZHVI · July 2026

Average Home Price in
Federalsburg, MD

Cambridge, MD metro area · Caroline County County

Median Home Value
$245,080
↓ 0.9% year-over-year
vs. National Median
$410,000
Federalsburg is 40% below
Est. Monthly Payment
$1,278/mo
20% down · 6.8% rate
Income Needed
$65K
gross annual (30% rule)
Median Home Value
$245,080
↓ 0.9% year-over-year
Down Payment (20%)$49,016
Monthly P&I$1,278/mo
With Taxes & Ins.~$1,623/mo
Income Needed$64,920/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Federalsburg, MD

The median home value in Federalsburg, MD is $245,080 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 0.9% compared to a year ago and up 2.1% from two years prior.

Compared to the U.S. national median of $410,000, homes in Federalsburg are priced40% below average. Federalsburg is part of the Cambridge, MD metro area.

Over the past five years, Federalsburg home values have risen by approximately23.5%, reflecting strong long-term appreciation in this market.

City Comparison

Federalsburg vs. National Median

🏠 Federalsburg
$245,080
National Median
$410,000

At $245,080, homes in Federalsburg cost 40% below the national median of $410,000. This makes Federalsburg a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Federalsburg?

20% Down Payment
$49,016
on $245,080
Monthly P&I
$1,278/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,623/mo
incl. taxes & insurance
Income Needed
$64,920
gross annual (30% rule)
10% Down Option
$24,508
+ PMI applies
Loan Amount (20% dn)
$196,064
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 Federalsburg, MD?
The median home value in Federalsburg is $245,080 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 0.9% year-over-year.
How much have home prices changed in Federalsburg?
Over the past year, home values in Federalsburg have decreased by 0.9%. Over five years, prices have risen approximately 23.5%.
How much do I need to earn to buy a home in Federalsburg?
To comfortably afford the median home price of $245,080 with a 20% down payment ($49,016) at today's rates (6.8%), you'd need a gross annual income of approximately $64,920. This assumes keeping total housing costs at or below 30% of gross income.
How does Federalsburg compare to the national average home price?
The national median home value is approximately $410,000. At $245,080, homes in Federalsburg are 40% below the national average.
What metro area is Federalsburg part of?
Federalsburg is part of the Cambridge, MD metropolitan area. Home prices and market conditions can vary across the broader metro region.