The typical owner-occupied home in Girdletree is worth about $187,500, 55% below the Maryland median of $419,900 and 44% below the national median of $332,700. Owners pay a median $1,250 a year in property taxes, about 0.67% of their home's value, lower than the Maryland rate of 0.97%. 100% of occupied homes here are lived in by their owners, and 51% of those owners still have a mortgage.
Girdletree at a glance
| Girdletree | Maryland | U.S. | |
|---|---|---|---|
| Median home value | $187,500 | $419,900 | $332,700 |
| Median property tax paid per year | $1,250 | $4,093 | $3,119 |
| Property tax as a share of value | 0.67% | 0.97% | 0.94% |
| Median household income | – | $103,678 | $80,734 |
| Homes lived in by their owners | 100% | 68% | 65% |
| Owner homes with a mortgage | 51% | 71% | 61% |
| Median monthly costs, owners with a mortgage | $1,750 | $2,347 | $1,963 |
| Those costs as a share of the owners' income | 12.9% | 20.5% | 21.0% |
| Median rent | – | $1,705 | $1,413 |
| Median year homes were built | 1953 | 1979 | 1980 |
| Vacant homes | 41.8% | 7.7% | 10.1% |
| Population | 77 | 6,206,011 | 334,922,499 |
What a typical home costs per month in Girdletree
At this week's average 30-year rate of 7.11%, buying the median Girdletree home of $187,500 with 20% down costs about $1,192 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,504, 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 $51,080 for the 20%-down payment.
| Down payment | $37,500 |
|---|---|
| Loan amount | $150,000 |
| Principal and interest | $1,009 |
| Property taxes (0.67% a year) | $105 |
| Homeowners insurance (our estimate, 0.5% a year) | $78 |
| PMI | $0 |
| Total per month | $1,192 |
Change the numbers in the calculator
| Down payment | $6,562 |
|---|---|
| Loan amount | $184,104 |
| Principal and interest | $1,238 |
| Property taxes (0.67% a year) | $105 |
| Homeowners insurance (our estimate, 0.5% a year) | $78 |
| FHA mortgage insurance | $83 |
| Total per month | $1,504 |
Change the numbers in the calculator
Questions about home buying in Girdletree
What is the median home value in Girdletree?
About $187,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Girdletree?
Homeowners pay a median $1,250 a year, which is about 0.67% 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 Girdletree?
For the median home with 20% down at 7.11%, the payment is about $1,192 a month. Keeping that under 28% of gross income takes about $51,080 a year.
More about Girdletree
- Mortgage Refinance in Girdletree
- Debt Relief in Girdletree
- Home Equity Loans in Girdletree
- 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