The median home in Columbia, Maryland is valued at $497,838, down 0.2% year over year. Typical monthly rent is $2,180, producing a price-to-rent ratio of 19x — near the national average of 18x. Columbia is part of the Baltimore-Columbia-Towson, MD metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Baltimore-Columbia-Towson, MD stress score, crash risk, and 12-month forecast →

Home Value$497,838

-0.2%

Rent$2,180/mo

AFFORDABILITY

Enter your income for Columbia.

Income (annual)

Down Payment

$99,568 on $497,838

Out of reach — 49.4% of income

Need $132,257/yr to afford.

PITI$3,086

P/I49.4%

Afford$282K

Gap-$216K

P&I $2,517Tax $436Ins $133

Renting $906/mo cheaper ($2,180 rent)6.50% 30yr, 20% down, county tax + MD ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Maryland

Compare Columbia with other housing markets across Maryland.

Gibson Island$2941K Chevy Chase View$1431K Potomac$1352K Glen Echo$1286K Cabin John$1246K Chevy Chase$1199K Bethesda$1110K Dayton$1056K

Full Baltimore-Columbia-Towson, MD analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Baltimore-Columbia-Towson, MD metro.

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COLUMBIA, MD