Market Overview
Home Prices in Lothian, MD
The median home value in Lothian, MD is $649,253 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.1% compared to a year ago and up 3.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Lothian are priced58% above average. Lothian is part of the Baltimore-Columbia-Towson, MD metro area.
Over the past five years, Lothian home values have risen by approximately10.8%, reflecting steady appreciation in this market.
Price History
Lothian Home Price Trend
City Comparison
Lothian vs. National Median
At $649,253, homes in Lothian cost 58% above the national median of $410,000. Buyers in Lothian should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Lothian?
20% Down Payment
$129,851
on $649,253
Monthly P&I
$3,386/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,300/mo
incl. taxes & insurance
Income Needed
$172,000
gross annual (30% rule)
10% Down Option
$64,925
+ PMI applies
Loan Amount (20% dn)
$519,402
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 Lothian, MD?
The median home value in Lothian is $649,253 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.1% year-over-year.
How much have home prices changed in Lothian?
Over the past year, home values in Lothian have increased by 1.1%. Over five years, prices have risen approximately 10.8%.
How much do I need to earn to buy a home in Lothian?
To comfortably afford the median home price of $649,253 with a 20% down payment ($129,851) at today's rates (6.8%), you'd need a gross annual income of approximately $172,000. This assumes keeping total housing costs at or below 30% of gross income.
How does Lothian compare to the national average home price?
The national median home value is approximately $410,000. At $649,253, homes in Lothian are 58% above the national average.
What metro area is Lothian part of?
Lothian is part of the Baltimore-Columbia-Towson, MD metropolitan area. Home prices and market conditions can vary across the broader metro region.