The typical owner-occupied home in Dunkirk is worth about $561,300, 34% above the Maryland median of $419,900 and 69% above the national median of $332,700. Owners pay a median $4,628 a year in property taxes, about 0.82% of their home's value, lower than the Maryland rate of 0.97%. The median household earns $149,271 a year, so the median home costs 3.8 times the median income (4.1 times for Maryland). 95% of occupied homes here are lived in by their owners, and 75% of those owners still have a mortgage.
Dunkirk at a glance
| Dunkirk | Maryland | U.S. | |
|---|---|---|---|
| Median home value | $561,300 | $419,900 | $332,700 |
| Median property tax paid per year | $4,628 | $4,093 | $3,119 |
| Property tax as a share of value | 0.82% | 0.97% | 0.94% |
| Median household income | $149,271 | $103,678 | $80,734 |
| Homes lived in by their owners | 95% | 68% | 65% |
| Owner homes with a mortgage | 75% | 71% | 61% |
| Median monthly costs, owners with a mortgage | $2,757 | $2,347 | $1,963 |
| Those costs as a share of the owners' income | 21.7% | 20.5% | 21.0% |
| Median rent | – | $1,705 | $1,413 |
| Median year homes were built | 1981 | 1979 | 1980 |
| Vacant homes | 5.9% | 7.7% | 10.1% |
| Population | 2,166 | 6,206,011 | 334,922,499 |
What a typical home costs per month in Dunkirk
At this week's average 30-year rate of 7.11%, buying the median Dunkirk home of $561,300 with 20% down costs about $3,638 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $4,573, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $155,921 for the 20%-down payment. That payment is 29% of the median Dunkirk household income of $149,271; at that income and 20% down, the 28% guideline points to a home of about $537,000.
| Down payment | $112,260 |
|---|---|
| Loan amount | $449,040 |
| Principal and interest | $3,021 |
| Property taxes (0.82% a year) | $384 |
| Homeowners insurance (our estimate, 0.5% a year) | $234 |
| PMI | $0 |
| Total per month | $3,638 |
Change the numbers in the calculator
| Down payment | $19,646 |
|---|---|
| Loan amount | $551,133 |
| Principal and interest | $3,708 |
| Property taxes (0.82% a year) | $384 |
| Homeowners insurance (our estimate, 0.5% a year) | $234 |
| FHA mortgage insurance | $248 |
| Total per month | $4,573 |
Change the numbers in the calculator
Questions about home buying in Dunkirk
What is the median home value in Dunkirk?
About $561,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Dunkirk?
Homeowners pay a median $4,628 a year, which is about 0.82% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Dunkirk?
For the median home with 20% down at 7.11%, the payment is about $3,638 a month. Keeping that under 28% of gross income takes about $155,921 a year.
More about Dunkirk
- Mortgage Refinance in Dunkirk
- Debt Relief in Dunkirk
- Home Equity Loans in Dunkirk
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data