The typical owner-occupied home in Whaleyville is worth about $187,800, 55% below the Maryland median of $419,900 and 44% below the national median of $332,700. Owners pay a median $2,113 a year in property taxes, about 1.13% of their home's value, higher than the Maryland rate of 0.97%. The median household earns $115,288 a year, so the median home costs 1.6 times the median income (4.1 times for Maryland). 94% of occupied homes here are lived in by their owners, and 59% of those owners still have a mortgage.
Whaleyville at a glance
| Whaleyville | Maryland | U.S. | |
|---|---|---|---|
| Median home value | $187,800 | $419,900 | $332,700 |
| Median property tax paid per year | $2,113 | $4,093 | $3,119 |
| Property tax as a share of value | 1.13% | 0.97% | 0.94% |
| Median household income | $115,288 | $103,678 | $80,734 |
| Homes lived in by their owners | 94% | 68% | 65% |
| Owner homes with a mortgage | 59% | 71% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,347 | $1,963 |
| Median rent | – | $1,705 | $1,413 |
| Median year homes were built | 1938 | 1979 | 1980 |
| Vacant homes | 13.8% | 7.7% | 10.1% |
| Population | 198 | 6,206,011 | 334,922,499 |
What a typical home costs per month in Whaleyville
At this week's average 30-year rate of 7.11%, buying the median Whaleyville home of $187,800 with 20% down costs about $1,266 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,579, 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 $54,247 for the 20%-down payment. That payment is 13% of the median Whaleyville household income of $115,288; at that income and 20% down, the 28% guideline points to a home of about $399,000.
| Down payment | $37,560 |
|---|---|
| Loan amount | $150,240 |
| Principal and interest | $1,011 |
| Property taxes (1.13% a year) | $177 |
| Homeowners insurance (our estimate, 0.5% a year) | $78 |
| PMI | $0 |
| Total per month | $1,266 |
Change the numbers in the calculator
| Down payment | $6,573 |
|---|---|
| Loan amount | $184,398 |
| Principal and interest | $1,240 |
| Property taxes (1.13% a year) | $177 |
| Homeowners insurance (our estimate, 0.5% a year) | $78 |
| FHA mortgage insurance | $83 |
| Total per month | $1,579 |
Change the numbers in the calculator
Questions about home buying in Whaleyville
What is the median home value in Whaleyville?
About $187,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Whaleyville?
Homeowners pay a median $2,113 a year, which is about 1.13% 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 Whaleyville?
For the median home with 20% down at 7.11%, the payment is about $1,266 a month. Keeping that under 28% of gross income takes about $54,247 a year.
More about Whaleyville
- Mortgage Refinance in Whaleyville
- Debt Relief in Whaleyville
- Home Equity Loans in Whaleyville
- 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