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📍 Funkstown, MD · Zillow ZHVI · July 2026

Average Home Price in
Funkstown, MD

Hagerstown-Martinsburg, MD-WV metro area · Washington County County

Median Home Value
$276,534
↓ 0.9% year-over-year
vs. National Median
$410,000
Funkstown is 33% below
Est. Monthly Payment
$1,442/mo
20% down · 6.8% rate
Income Needed
$73K
gross annual (30% rule)
Median Home Value
$276,534
↓ 0.9% year-over-year
Down Payment (20%)$55,307
Monthly P&I$1,442/mo
With Taxes & Ins.~$1,831/mo
Income Needed$73,240/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Funkstown, MD

The median home value in Funkstown, MD is $276,534 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 0.9% compared to a year ago and up 1.8% from two years prior.

Compared to the U.S. national median of $410,000, homes in Funkstown are priced33% below average. Funkstown is part of the Hagerstown-Martinsburg, MD-WV metro area.

City Comparison

Funkstown vs. National Median

🏠 Funkstown
$276,534
National Median
$410,000

At $276,534, homes in Funkstown cost 33% below the national median of $410,000. This makes Funkstown a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Funkstown?

20% Down Payment
$55,307
on $276,534
Monthly P&I
$1,442/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,831/mo
incl. taxes & insurance
Income Needed
$73,240
gross annual (30% rule)
10% Down Option
$27,653
+ PMI applies
Loan Amount (20% dn)
$221,227
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 Funkstown, MD?
The median home value in Funkstown is $276,534 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 Funkstown?
Over the past year, home values in Funkstown have decreased by 0.9%.
How much do I need to earn to buy a home in Funkstown?
To comfortably afford the median home price of $276,534 with a 20% down payment ($55,307) at today's rates (6.8%), you'd need a gross annual income of approximately $73,240. This assumes keeping total housing costs at or below 30% of gross income.
How does Funkstown compare to the national average home price?
The national median home value is approximately $410,000. At $276,534, homes in Funkstown are 33% below the national average.
What metro area is Funkstown part of?
Funkstown is part of the Hagerstown-Martinsburg, MD-WV metropolitan area. Home prices and market conditions can vary across the broader metro region.