The typical owner-occupied home in Church Creek is worth about $266,200, 37% below the Maryland median of $419,900 and 20% below the national median of $332,700. Owners pay a median $2,542 a year in property taxes, about 0.95% of their home's value, close to the Maryland rate of 0.97%. The median household earns $61,750 a year, so the median home costs 4.3 times the median income (4.1 times for Maryland). 86% of occupied homes here are lived in by their owners, and 51% of those owners still have a mortgage.
Church Creek at a glance
| Church Creek | Maryland | U.S. | |
|---|---|---|---|
| Median home value | $266,200 | $419,900 | $332,700 |
| Median property tax paid per year | $2,542 | $4,093 | $3,119 |
| Property tax as a share of value | 0.95% | 0.97% | 0.94% |
| Median household income | $61,750 | $103,678 | $80,734 |
| Homes lived in by their owners | 86% | 68% | 65% |
| Owner homes with a mortgage | 51% | 71% | 61% |
| Median monthly costs, owners with a mortgage | $2,679 | $2,347 | $1,963 |
| Those costs as a share of the owners' income | 36.3% | 20.5% | 21.0% |
| Median rent | $3,501 | $1,705 | $1,413 |
| Rent as a share of renters' income | 16.9% | 30.8% | 30.6% |
| Median year homes were built | 1952 | 1979 | 1980 |
| Vacant homes | 11.6% | 7.7% | 10.1% |
| Population | 135 | 6,206,011 | 334,922,499 |
What a typical home costs per month in Church Creek
At this week's average 30-year rate of 7.11%, buying the median Church Creek home of $266,200 with 20% down costs about $1,754 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,198, 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 $75,183 for the 20%-down payment. That payment is 34% of the median Church Creek household income of $61,750; at that income and 20% down, the 28% guideline points to a home of about $219,000.
The median rent here is $3,501 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $53,240 |
|---|---|
| Loan amount | $212,960 |
| Principal and interest | $1,433 |
| Property taxes (0.95% a year) | $211 |
| Homeowners insurance (our estimate, 0.5% a year) | $111 |
| PMI | $0 |
| Total per month | $1,754 |
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| Down payment | $9,317 |
|---|---|
| Loan amount | $261,378 |
| Principal and interest | $1,758 |
| Property taxes (0.95% a year) | $211 |
| Homeowners insurance (our estimate, 0.5% a year) | $111 |
| FHA mortgage insurance | $118 |
| Total per month | $2,198 |
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Questions about home buying in Church Creek
What is the median home value in Church Creek?
About $266,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Church Creek?
Homeowners pay a median $2,542 a year, which is about 0.95% 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 Church Creek?
For the median home with 20% down at 7.11%, the payment is about $1,754 a month. Keeping that under 28% of gross income takes about $75,183 a year.
More about Church Creek
- Mortgage Refinance in Church Creek
- Debt Relief in Church Creek
- Home Equity Loans in Church Creek
- 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