Middle River, Maryland.
Typical home $331,638 (+0.3% in a year), asking rent $1,708 (-0.7%). Baltimore-Columbia-Towson, MD metro.
to buy the typical home at today's mortgage rate — +$838 (+93%) since Jan 2020.
- 1 year
- Up $1,099 +0%
- $330,539$331,638 since Sep 2025
- 5 years
- Up $41,383 +14%
- $290,255$331,638 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.
- Middle River$1,741
- Maryland$2,230
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 26 years.
Typical home values in Middle River, MD rose 0.3% over the past year — slower than the nation's +1.2%.
Asking rents in Middle River, MD fell 0.7% over the past year — slower than the nation's +2.7%.
Owning the typical home in Middle River runs $683/mo more than renting one. The gap peaked at $791 in Oct 2023.
That is $2,391 a month against $1,708 rent: a $1,741 mortgage payment, plus $296 property tax and $355 insurance & upkeep.
Owning vs renting — Middle River
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$2,391
- Renting$1,708
- Mortgage only$1,741
Property tax · $296/mo 1.07% of value a year — the ACS 2020-2024 median bill over the median home value for Baltimore County, MD
Insurance & upkeep · $355/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 Middle River, Baltimore County, Maryland
Middle River, in Baltimore County, had 33,203 people in the 2020 census. Half its households earn more than $78,398 a year and half less, against $91,768 across Baltimore County; 15% of its people live below the poverty line. 66% of its homes are lived in by their owners and 34% 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. Middle River is a community in Baltimore County where most homes are lived in by their owners, though a good number of households rent. Residents are a little younger than the typical American, and household incomes run below the county's, with a share of people living below the poverty line. Winters are cold, with January highs staying well above freezing on the milder days but lows dipping below it, while July brings hot summers, and rain and melted snow fall steadily through the year.
Work. Many residents work in schools, hospitals and social care, in shops, in professional and business services, or in government. Among the larger workplaces in Middle River are Constellation Home Products & Services, a heating and air-conditioning contractor, Costco Wholesale, and Hill Valley Health Care, a nursing home. The commute is a moderate one for most, and a fair number of people work from home. Across Baltimore County, unemployment has eased compared with a year earlier, though the number of jobs has slipped slightly.
Things to do. Fort McHenry, a historic fort, and Memorial Stadium, a stadium, are both a short drive away, and the Gunpowder River is also close for time spent by the water. A longer drive brings you to the National Aquarium and the Walters Art Museum in Baltimore.
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- 12,531households
- 32%of adults have a degree
- 15%below the poverty line
- 28 mintypical commute
- 14%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 44° and lows near 30°; warmest in July, with highs near 90° and lows near 73°. About 44 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Md Sci Ctr Baltimore weather station, 10 miles away (NOAA).
Largest workplaces in Middle River
- Constellation Home Products & ServicesHeating, ventilation and air-conditioning contractors545
- Costco WholesaleWholesale grocer261
- TransCore - T0322 - White MarshElectrical contractors and other wiring installation contractors232
- Pevco Systems InternationalPneumatic tube conveyor system installation197
- Hill Valley Health CareNursing homes151
- TargetDiscount department stores147
- Denver-ElekMechanical contractors141
- Rosedale Roofing CompanyRoofing contractors130
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 42 workplaces with 20 or more staff, 3,597 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
- Winter weatherRelatively high
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Middle River’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 Baltimore County and the Baltimore-Columbia-Towson, MD metro.
Middle River home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Middle River$331,638
- Maryland$424,890
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Middle River listings, and the typical home goes pending in 17 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.
- Middle River35.32%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Middle River17
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Middle River135
New listings per month
Sellers arriving at the market.
- Middle River43
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Middle River$331,796
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Middle River99.47%
Zip codes with a Middle River address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Middle River — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.