Market Overview
Home Prices in Frostburg, MD
The median home value in Frostburg, MD is $186,271 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.6% compared to a year ago and up 4.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Frostburg are priced55% below average. Frostburg is part of the Cumberland, MD-WV metro area.
Over the past five years, Frostburg home values have risen by approximately29.3%, reflecting strong long-term appreciation in this market.
Price History
Frostburg Home Price Trend
City Comparison
Frostburg vs. National Median
At $186,271, homes in Frostburg cost 55% below the national median of $410,000. This makes Frostburg a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Frostburg?
20% Down Payment
$37,254
on $186,271
Monthly P&I
$971/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,233/mo
incl. taxes & insurance
Income Needed
$49,320
gross annual (30% rule)
10% Down Option
$18,627
+ PMI applies
Loan Amount (20% dn)
$149,017
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 Frostburg, MD?
The median home value in Frostburg is $186,271 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.6% year-over-year.
How much have home prices changed in Frostburg?
Over the past year, home values in Frostburg have increased by 4.6%. Over five years, prices have risen approximately 29.3%.
How much do I need to earn to buy a home in Frostburg?
To comfortably afford the median home price of $186,271 with a 20% down payment ($37,254) at today's rates (6.8%), you'd need a gross annual income of approximately $49,320. This assumes keeping total housing costs at or below 30% of gross income.
How does Frostburg compare to the national average home price?
The national median home value is approximately $410,000. At $186,271, homes in Frostburg are 55% below the national average.
What metro area is Frostburg part of?
Frostburg is part of the Cumberland, MD-WV metropolitan area. Home prices and market conditions can vary across the broader metro region.