Oakland, Maryland.
Typical home $280,485 (+1.3% in a year).
to buy the typical home at today's mortgage rate — +$746 (+103%) since Jan 2020.
- 1 year
- Up $3,690 +1%
- $276,796$280,485 since Sep 2025
- 5 years
- Up $34,126 +14%
- $246,359$280,485 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.
- Oakland$1,472
- 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 Oakland, MD rose 1.3% over the past year — in step with the nation.
Living in Oakland, Garrett County, Maryland
Oakland is a town of 1,851 people in Garrett County. 48% of its homes are lived in by their owners and 52% are rented. Unemployment in Garrett County was 3.7% in August 2026, and the county had 0.9% fewer jobs in 2025 than the year before. The most people in Garrett County 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 It can be wrong or out of date.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. Oakland is a small town and the county seat of Garrett County, in the mountains of western Maryland. Fewer homes are lived in by their owners than in many American towns, and a good share of residents are renters. Poverty is higher here than across much of the country, and the typical home is valued well above what the town's incomes might suggest. Winters are cold and very snowy, with January the coldest month, while summers are mild and pleasantly warm at their peak in July.
Work. Health care and education are the biggest sources of work for people who live in Oakland, followed by shops, the building trades and manufacturing. Garrett County Memorial Hospital and Walmart are among the town's largest workplaces, and Oakland Nursing and Rehabilitation is another. Unemployment across Garrett County is lower than a year ago, though the county has slightly fewer jobs than it did the year before, and some residents work from home.
Things to do. Deep Creek Lake, a reservoir, is a short drive away, as are Herrington Manor State Park and Swallow Falls State Park, both protected areas with woods and trails. Farther afield, a longer drive takes you to Blackwater Falls, a waterfall. With so much snow each year and rain through the warmer months, the outdoors here changes a great deal from one season to the next.
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- 1,086households
- 29%of adults have a degree
- 18%below the poverty line
- 9%work from home
What people in Garrett County work in
Employed residents by industry, from the Census survey. Garrett County had 12,052 jobs in 2025, 0.9% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 37° and lows near 18°; warmest in July, with highs near 81° and lows near 60°. About 105 inches of snow and 51 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Oakland Southeast weather station, under a mile away (NOAA).
Largest workplaces in Oakland
- Garrett County Memorial HospitalGeneral hospital397FTE
- WalmartWarehouse clubs and supercenters319
- Appalachian Parent AssociationIntellectual and developmental disability facilities, residential158
- Appalachian Parent Association INC Appalachian Crossroads561990 all other support services61
- Oakland Nursing and RehabilitationSkilled nursing facilities56
- Appalachian Parent Association INC Appalachian Crossroads624120 services for the elderly and persons with disabilities39
- Ruth Enlow Library of Garrett CountyLibraries27
- OaklandMail and parcel delivery26
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 8 workplaces with 20 or more staff, 1,083 people in all. Hospitals come 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
- Winter weatherRelatively high
- DroughtRelatively moderate
- HailRelatively moderate
- LightningRelatively moderate
- Strong windRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Oakland’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 Garrett County.
Oakland home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Oakland$280,485
- Maryland$424,890
- United States$366,157
Sellers are cutting prices on about 1 in 5 Oakland listings — the market is roughly in balance.
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.
- Oakland21.34%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Oakland80
New listings per month
Sellers arriving at the market.
- Oakland18
Median sale price
What buyers actually paid — closed sales, not asking prices.
Not enough data to draw this yet.
Zip codes with a Oakland address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Oakland — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.