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.
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Home Value$713,948
-0.1%
Rent$2,272/mo
AFFORDABILITYRenting $2,096/mo cheaper ($2,272 rent)6.50% 30yr, 20% down, county tax + MD ins. 28% per HUD.
Enter your income for Ellicott City.
$142,790 on $713,948
Out of reach — 69.9% of income
Need $187,200/yr to afford.
PITI$4,368
P/I69.9%
Afford$286K
Gap-$428K
P&I $3,610Tax $625Ins $133
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Maryland
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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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