Median home value: $358K (+2.9% YoY). Part of Hagerstown-Martinsburg, MD-WV.
Limited Data
Basic Zillow data only. For stress scores, AI analysis, and trends, Hagerstown-Martinsburg, MD-WV metro page.
Home Value$357,750
+2.9%
AFFORDABILITY6.00% 30yr, 20% down, county tax + MD ins. 28% per HUD.
Enter your income for Smithsburg.
$71,550 on $357,750
Stretch — 34.6% of income
Above 28% but manageable with cuts.
PITI$2,162
P/I34.6%
Afford$290K
Gap-$68K
P&I $1,716Tax $313Ins $133
Home Buying Kit For Dummies (2025)Financing, negotiation, closing