Cobb Island, Maryland.
Typical home $365,450 (+1.8% in a year). Washington-Arlington-Alexandria, DC-VA-MD-WV metro.
to buy the typical home at today's mortgage rate — +$981 (+105%) since Jan 2020.
- 1 year
- Up $6,529 +2%
- $358,921$365,450 since Sep 2025
- 5 years
- Up $54,121 +17%
- $311,329$365,450 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.
- Cobb Island$1,918
- Maryland$2,230
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 22 years.
Typical home values in Cobb Island, MD rose 1.8% over the past year — faster than the nation's +1.2%.
Living in Cobb Island, Charles County, Maryland
Cobb Island, in Charles County, had 929 people in the 2020 census. Unemployment in Charles County was 4.6% in August 2026, and the county had 1.1% more jobs in 2025 than the year before. The most people in Charles County work in schools and health care, then government.
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 It can be wrong or out of date.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. Cobb Island is a very small community on the water in Charles County, Maryland, with the Wicomico River in or beside town. Home values here are well above what is typical across much of the country, and very few residents live below the poverty line. Relatively few adults hold a four-year degree. Winters are cold, with January the coldest month, and snow comes most years, though not in great amounts. Summers are warm, July is the hottest month, and rain and melted snow are fairly generous through the year.
Work. Residents work mostly in schools, hospitals and social care, followed by government, professional and business services, and shops. Across Charles County, the largest workplaces include Charles County Public Schools, Charles County Government and the College of Southern Maryland. Unemployment across the county is a little lower than it was a year earlier, and the county has added a small number of jobs over the past year. Few residents work from home.
Things to do. The Wicomico River runs in or beside town, so water is close at hand. A short drive away are George Washington Birthplace National Monument, a protected area, and Westmoreland State Park, another protected area. St. Clement's Island State Park, also a protected area, is a short drive as well. For a longer outing, the Calvert Marine Museum is a longer drive away.
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- 9%of adults have a degree
- 2%below the poverty line
- 6%work from home
What people in Charles County work in
Employed residents by industry, from the Census survey. Charles County had 43,545 jobs in 2025, 1.1% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 44° and lows near 25°; warmest in July, with highs near 85° and lows near 66°. About 15 inches of snow and 48 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Mechanicsville Northeast weather station, 17 miles away (NOAA).
Largest workplaces in Charles County
- Charles County Public SchoolsSchool district3,853FTE
- Charles County GovernmentAuditor's offices, government2,058
- College of Southern MarylandTwo-year college729
- Charles County Sheriff's OfficePolice departments664
- Civista Medical CenterGeneral hospital641FTE
- Waldorf Chevy CadillacNew car dealers369
- Waldorf ToyotaNew car dealers360
- Green Acres Nursing_NursingSkilled nursing facilities300
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 83 workplaces with 20 or more staff, 10,694 people in all across the county; Cobb Island has none of its own. School districts come from the Common Core of Data (NCES, 2023–24), colleges from IPEDS (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); 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
- DroughtRelatively high
- Coastal floodingRelatively high
- Strong windRelatively high
- LightningRelatively moderate
- Winter weatherRelatively moderate
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Cobb Island’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 Charles County and the Washington-Arlington-Alexandria, DC-VA-MD-WV metro.
Cobb Island home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Cobb Island$365,450
- 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 Cobb Island address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Cobb Island — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.