The typical owner-occupied home in Cecilton is worth about $241,800, 42% below the Maryland median of $419,900 and 27% below the national median of $332,700. Owners pay a median $2,429 a year in property taxes, about 1.00% of their home's value, close to the Maryland rate of 0.97%. The median household earns $87,813 a year, so the median home costs 2.8 times the median income (4.1 times for Maryland). 60% of occupied homes here are lived in by their owners, and 73% of those owners still have a mortgage.
Cecilton at a glance
| Cecilton | Maryland | U.S. | |
|---|---|---|---|
| Median home value | $241,800 | $419,900 | $332,700 |
| Median property tax paid per year | $2,429 | $4,093 | $3,119 |
| Property tax as a share of value | 1.00% | 0.97% | 0.94% |
| Median household income | $87,813 | $103,678 | $80,734 |
| Homes lived in by their owners | 60% | 68% | 65% |
| Owner homes with a mortgage | 73% | 71% | 61% |
| Median monthly costs, owners with a mortgage | $2,123 | $2,347 | $1,963 |
| Those costs as a share of the owners' income | 23.4% | 20.5% | 21.0% |
| Median rent | $1,149 | $1,705 | $1,413 |
| Rent as a share of renters' income | 37.3% | 30.8% | 30.6% |
| Median year homes were built | 1976 | 1979 | 1980 |
| Vacant homes | 8.7% | 7.7% | 10.1% |
| Population | 820 | 6,206,011 | 334,922,499 |
What a typical home costs per month in Cecilton
At this week's average 30-year rate of 7.11%, buying the median Cecilton home of $241,800 with 20% down costs about $1,604 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,006, 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 $68,723 for the 20%-down payment. That payment is 22% of the median Cecilton household income of $87,813; at that income and 20% down, the 28% guideline points to a home of about $309,000.
The median rent here is $1,149 a month, so owning the median home costs about $455 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $48,360 |
|---|---|
| Loan amount | $193,440 |
| Principal and interest | $1,301 |
| Property taxes (1.00% a year) | $202 |
| Homeowners insurance (our estimate, 0.5% a year) | $101 |
| PMI | $0 |
| Total per month | $1,604 |
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| Down payment | $8,463 |
|---|---|
| Loan amount | $237,420 |
| Principal and interest | $1,597 |
| Property taxes (1.00% a year) | $202 |
| Homeowners insurance (our estimate, 0.5% a year) | $101 |
| FHA mortgage insurance | $107 |
| Total per month | $2,006 |
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Questions about home buying in Cecilton
What is the median home value in Cecilton?
About $241,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Cecilton?
Homeowners pay a median $2,429 a year, which is about 1.00% 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 Cecilton?
For the median home with 20% down at 7.11%, the payment is about $1,604 a month. Keeping that under 28% of gross income takes about $68,723 a year.
More about Cecilton
- Mortgage Refinance in Cecilton
- Debt Relief in Cecilton
- Home Equity Loans in Cecilton
- 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