Carney, Maryland.
Typical home $341,939 (+0.4% in a year), asking rent $1,497 (+1.5%). Baltimore-Columbia-Towson, MD metro.
to buy the typical home at today's mortgage rate — +$852 (+90%) since Jan 2020.
- 1 year
- Up $1,436 +0%
- $340,503$341,939 since Sep 2025
- 5 years
- Up $41,743 +14%
- $300,195$341,939 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Carney$1,795
- Maryland$2,230
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 27 years.
Typical home values in Carney, MD rose 0.4% over the past year — slower than the nation's +1.2%.
Asking rents in Carney, MD rose 1.5% over the past year — slower than the nation's +2.7%.
Owning the typical home in Carney runs $969/mo more than renting one. The gap peaked at $1,073 in Oct 2023.
That is $2,466 a month against $1,497 rent: a $1,795 mortgage payment, plus $305 property tax and $366 insurance & upkeep.
Owning vs renting — Carney
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,466
- Renting$1,497
- Mortgage only$1,795
Property tax · $305/mo 1.07% of value a year — the ACS 2020-2024 median bill over the median home value for Baltimore County, MD
Insurance & upkeep · $366/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Carney, Baltimore County, Maryland
Carney, in Baltimore County, had 29,363 people in the 2020 census. Half its households earn more than $83,620 a year and half less, against $91,768 across Baltimore County; 11% of its people live below the poverty line. 60% of its homes are lived in by their owners and 40% are rented. Unemployment in Baltimore County was 4.0% in August 2026, and the county had 1.3% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Carney is a community in Baltimore County, home to a good many people, with a median age a little below what you find in many older suburbs. Most homes are lived in by their owners, and household incomes run below the county's. Winters are cold, with January the coldest month, and summers are warm, with July the hottest.
Work. Many residents work in schools, hospitals and social care, with shops, professional and business services, and transport and warehouses also employing a good number. A four-year degree is held by a sizeable share of adults, and some people work from home, while most travel a moderate distance to their jobs. Among the largest workplaces in Carney are Erickson Living, Giant and Food Lion.
Things to do. Several well-known places are a short drive away, including the Baltimore Museum of Art, the National Aquarium and The Maryland Zoo. Loch Raven Reservoir, also a short drive, offers a stretch of open water. Oriole Park at Camden Yards, a stadium, is likewise close by.
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- 12,319households
- 40%of adults have a degree
- 11%below the poverty line
- 29 mintypical commute
- 13%work from home
What residents work in
Employed residents by industry, from the Census survey. Baltimore County had 369,662 jobs in 2025, 1.3% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 42° and lows near 27°; warmest in July, with highs near 86° and lows near 69°.
Average daily high and low, 1991–2020, at the Cylburn weather station, 8 miles away (NOAA).
Largest workplaces in Carney
- Erickson LivingCcrc1,138
- BJ's Wholesale Club, Inc.Warehouse club and supercenters152
- GiantGrocery store113
- NAI Saturn EasternSupermarkets and other grocery stores96
- Food LionGrocery stores86
- Weis MarketsSupermarkets and other grocery77
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 6 workplaces with 20 or more staff, 1,662 people in all. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Heat wavesrelatively high in parts of CarneyRelatively moderate
- Winter weatherrelatively high in parts of CarneyRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Carney’s census tracts, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Baltimore County and the Baltimore-Columbia-Towson, MD metro.
Carney home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Carney$341,939
- Maryland$424,890
- United States$366,157
Sellers are cutting prices on about 1 in 3 Carney listings, and the typical home goes pending in 10 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Carney32.21%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Carney10
- United States21
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Carney54
New listings per month
Sellers arriving at the market.
- Carney19
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Carney$342,452
- United States$370,717
Zip codes with a Carney address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Carney — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.