Charlestown, Maryland.
Typical home $335,611 (-0.9% in a year). Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro.
to buy the typical home at today's mortgage rate — +$884 (+101%) since Jan 2020.
- 1 year
- Down $3,136 -1%
- $338,746$335,611 since Sep 2025
- 5 years
- Up $40,779 +14%
- $294,832$335,611 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.
- Charlestown$1,762
- 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 Charlestown, MD fell 0.9% over the past year — slower than the nation's +1.2%.
Living in Charlestown, Cecil County, Maryland
Charlestown is a town of 1,496 people in Cecil County. 92% of its homes are lived in by their owners and 8% are rented. Unemployment in Cecil County was 4.0% in August 2026, and the county had 0.3% more jobs in 2025 than the year before. The most residents work in government, then schools and health care.
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 It can be wrong or out of date.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. Charlestown is a small town on the Northeast River in Cecil County, Maryland. Nearly all of its homes are lived in by their owners, and the population is a little younger than in many towns where older homeowners settle. Winters are cold, with January the coldest month, and summers turn hot by July, with a good deal of rain and melted snow through the year.
Work. Residents work mostly in government, in schools, hospitals and social care, in professional and business services, and in the building trades. A typical commute is a fairly long one, and a fair number of people work from home. Across Cecil County, some of the largest workplaces are Cecil County Public Schools, Union Hospital of Cecil County and Terumo Medical.
Things to do. The Northeast River runs in or beside town. A short drive away are Elk Neck State Park and Elk Neck State Forest, both protected areas, and Plumpton Park Zoo. Farther afield, the Delaware Art Museum is a longer drive away.
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- 725households
- 38%of adults have a degree
- 8%below the poverty line
- 30 mintypical commute
- 16%work from home
What residents work in
Employed residents by industry, from the Census survey. Cecil County had 36,824 jobs in 2025, 0.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 40° and lows near 25°; warmest in July, with highs near 88° and lows near 68°. About 48 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Conowingo Dam weather station, 11 miles away (NOAA).
Largest workplaces in Cecil County
- Cecil County Public SchoolsSchool district2,111FTE
- Terumo MedicalInstruments, mechanical microsurgical, manufacturing1,019
- Veterans Health AdministrationFederal government · Department of Veterans Affairs951
- Union Hospital of Cecil CountyGeneral hospital896FTE
- Medline IndustriesWholesale distribution of medical, dental, and hospital equipment and supplies727
- Northrop Grumman SystemsGuided missile and space vehicle propulsion unit and propulsion unit parts manufacturing720
- Cecil CollegeTwo-year college571
- Ryder Amazon Port DepositWarehouse and storage539
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 78 workplaces with 20 or more staff, 14,492 people in all across the county; Charlestown has none of its own. School districts come from the Common Core of Data (NCES, 2023–24), federal offices from OPM's federal workforce data (2026), hospitals from their Medicare cost reports (CMS, 2023) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. 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
- Winter weatherRelatively high
- Strong windRelatively high
- Coastal floodingRelatively moderate
- Heat wavesRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Charlestown’s census tracts, against the rest of the country; all of them together, relatively 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 Cecil County and the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro.
Charlestown home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Charlestown$335,611
- Maryland$424,890
- United States$366,157
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.
Zip codes with a Charlestown address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Charlestown — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.