The median home in Ellicott City, Maryland is valued at $713,948, down 0.1% year over year. Typical monthly rent is $2,272, producing a price-to-rent ratio of 26.2x — well above the national average of 18x. Ellicott City is part of the Baltimore-Columbia-Towson, MD metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$713,948

-0.1%

Rent$2,272/mo

Prices falling — better for buyers.

Affordability

Enter your income for Ellicott City.

Income (annual)

Down Payment

$142,790 on $713,948

Example: $75,000 household income. Change it above to see your own.

Out of reach69.9% of income

Need $187,200/yr to afford.

PITI$4,368

P/I69.9%

Afford$286K

Gap-$428K

P&I $3,610Tax $625Ins $133

Renting $2,096/mo cheaper ($2,272 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 Ellicott City with other housing markets across Maryland.

Gibson Island$2.94M Chevy Chase View$1.43M Potomac$1.35M Glen Echo$1.29M Cabin John$1.25M Chevy Chase$1.2M Bethesda$1.11M Dayton$1.06M

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.

View Baltimore-Columbia-Towson, MD metro

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.

Ellicott City, MD