Lochearn, Maryland.
Typical home $312,209 (+1.1% in a year), asking rent $1,470 (+5.8%). Baltimore-Columbia-Towson, MD metro.
to buy the typical home at today's mortgage rate — +$817 (+99%) since Jan 2020.
- 1 year
- Up $3,307 +1%
- $308,902$312,209 since Sep 2025
- 5 years
- Up $44,059 +16%
- $268,151$312,209 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.
- Lochearn$1,639
- Maryland$2,230
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 23 years.
Typical home values in Lochearn, MD rose 1.1% over the past year — in step with the nation.
Asking rents in Lochearn, MD rose 5.8% over the past year — faster than the nation's +2.7%.
Owning the typical home in Lochearn runs $781/mo more than renting one. The gap peaked at $861 in Jan 2025.
That is $2,251 a month against $1,470 rent: a $1,639 mortgage payment, plus $278 property tax and $334 insurance & upkeep.
Owning vs renting — Lochearn
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$2,251
- Renting$1,470
- Mortgage only$1,639
Property tax · $278/mo 1.07% of value a year — the ACS 2020-2024 median bill over the median home value for Baltimore County, MD
Insurance & upkeep · $334/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 Lochearn, Baltimore County, Maryland
Lochearn, in Baltimore County, had 25,511 people in the 2020 census. Half its households earn more than $74,707 a year and half less, against $91,768 across Baltimore County; 10% of its people live below the poverty line. 65% of its homes are lived in by their owners and 35% 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 professional services.
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. Lochearn is a community in Baltimore County where most homes are lived in by their owners, and the people living here are somewhat younger than in many American towns. Household incomes run below the county's, and more people live below the poverty line than most would expect in a suburb this close to a large city. Winters are cold, with January the coldest month, and summers are warm, with July the hottest.
Work. Residents work mostly in schools, hospitals and social care, with professional and business services, government and shops close behind. Across Baltimore County, the biggest workplaces include Baltimore County Public Schools, the Social Security Administration and Towson University. Unemployment across the county is lower than a year ago, though the county has fewer jobs than the year before, and most people commute to work rather than working from home.
Things to do. The Baltimore Museum of Art, a museum, the National Aquarium, and Oriole Park at Camden Yards, a stadium, are all a short drive away. Fort McHenry, an old fort, is also a short drive off, and so is Druid Hill Park, a large garden and park. Anyone willing to drive a little farther can reach the Patapsco River.
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- 10,615households
- 34%of adults have a degree
- 10%below the poverty line
- 30 mintypical commute
- 10%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, 4 miles away (NOAA).
Largest workplaces in Baltimore County
- Baltimore County Public SchoolsSchool district15,462FTE
- Social Security AdministrationFederal government5,991
- AmazonGeneral warehousing and storage4,725
- Towson UniversityUniversity or college3,199
- Centers for Medicare & Medicaid ServicesFederal government · Department of Health and Human Services2,721
- Community College of Baltimore CountyTwo-year college2,687
- University of Maryland-Baltimore CountyUniversity or college2,493
- Baltimore County PoliceLaw enforcement statistics centers, government2,400
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 534 workplaces with 20 or more staff, 86,883 people in all across the county; Lochearn has one of its own. School districts come from the Common Core of Data (NCES, 2023–24), federal offices from OPM's federal workforce data (2026) 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
- Heat wavesRelatively high
- Winter weatherrelatively high in parts of LochearnRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Lochearn’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.
Lochearn home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Lochearn$312,209
- Maryland$424,890
- United States$366,157
Sellers are cutting prices on about 1 in 4 Lochearn listings — the market is heating up.
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.
- Lochearn26.80%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Lochearn46
New listings per month
Sellers arriving at the market.
- Lochearn20
Median sale price
What buyers actually paid — closed sales, not asking prices.
Not enough data to draw this yet.
Zip codes with a Lochearn address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Lochearn — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.