States · Maryland · Calvert County

Owings, Maryland.

Typical home $611,566 (+0.1% in a year). Washington-Arlington-Alexandria, DC-VA-MD-WV metro.

What it costs per month · Owings $3,210/mo

to buy the typical home at today's mortgage rate — +$1,538 (+92%) since Jan 2020.

What the home itself did
1 year
Up $321 +0%
$611,245$611,566 since Sep 2025
5 years
Up $66,968 +12%
$544,598$611,566 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.

$1,000 $2,000 $3,000 2002 2006 2010 2014 2018 2022 2026 Owings $3,210 Maryland $2,230 United States $1,922
$1,000 $2,000 $3,000 2002 2010 2018 2026
  • Owings$3,210
  • Maryland$2,230
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 30 years.

Typical home values in Owings, MD rose 0.1% over the past year — slower than the nation's +1.2%.

Living in Owings, Calvert County, Maryland

Owings, in Calvert County, had 2,141 people in the 2020 census. Half its households earn more than $176,378 a year and half less, against $133,922 across Calvert County; 1% of its people live below the poverty line. 94% of its homes are lived in by their owners and 6% are rented. Unemployment in Calvert County was 3.5% in August 2026, and the county had 0.7% fewer jobs in 2025 than the year before. The most people in Calvert County work in schools and health care, then government.

People 2,141 in the 2020 census
Household income $176,378 the median, give or take $22,328 · Calvert County: $133,922
Unemployment 3.5% Calvert County, August 2026; 4.1% a year before
Homes 94% lived in by their owners; 6% rented

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 It can be wrong or out of date.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. Owings is a small community in Calvert County, Maryland, where nearly everyone lives in a home they own and very few households fall below the poverty line. Household incomes run well above the county's, and typical home values are high. A good share of adults hold a four-year degree, and a number of residents work from home. Winters are cold, with January the coldest month and daytime highs staying just above freezing, and some snow each year. Summers are warm, with July the hottest month, and rain and melted snow add up to a fair amount over the year.

Work. Residents of Owings work mostly in schools, hospitals and social care, in government, in professional and business services, and in the building trades. Across Calvert County, the largest workplaces include Calvert County Public Schools, Constellation, and Calvert Memorial Hospital. Unemployment across the county is lower than it was a year earlier, though the county has a few fewer jobs than it did the year before.

Things to do. The best-known places within reach are all a longer drive away. The Smithsonian Institution is a large group of museums, and the National Museum of Natural History and the National Air and Space Museum are among its best-loved. The National Mall, a long park in the middle of the city, ties together the monuments and museums, including the Washington Monument and the Lincoln Memorial.

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  • 51%of adults have a degree
  • 1%below the poverty line
  • 13%work from home

What people in Calvert County work in

  • Schools, hospitals and social care21%
  • Government17%
  • Professional and business services13%
  • Building trades12%
  • Shops (retail)8%
  • Restaurants, hotels and entertainment7%

Employed residents by industry, from the Census survey. Calvert County had 22,528 jobs in 2025, 0.7% fewer than the year before (Bureau of Labor Statistics).

Weather through the year

Average daily high and low for each month: coldest in January, 44° and 25°; warmest in July, 88° and 67° 20° 40° 60° 80° J 44° 25° F M A M J J 88° 67° A S O N D
Average daily high and low for each month: coldest in January, 44° and 25°; warmest in July, 88° and 67° 20° 40° 60° 80° J 44° 25° F M A M J J 88° 67° A S O N D

Coldest in January, with highs near 44° and lows near 25°; warmest in July, with highs near 88° and lows near 67°. About 16 inches of snow and 45 inches of rain and melted snow a year.

Average daily high and low, 1991–2020, at the Upper Marlboro Nnw weather station, 13 miles away (NOAA).

Largest workplaces in Calvert County

  1. Calvert County Public SchoolsSchool district2,220FTE
  2. ConstellationElectric power generation, nuclear800
  3. Calvert Memorial HospitalGeneral hospital757FTE
  4. Chesapeake Technology InternationalApplications software programming services, custom computer218
  5. Asbury SolomonsRetirement communities, continuing care194
  6. Cove Point LNG (2)Pipeline terminal facilities, independently operated184
  7. WalmartDiscount department stores173
  8. Calvert Internal MedicineInternists' offices168

Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 28 workplaces with 20 or more staff, 3,463 people in all across the county; Owings has none of its own. School districts come from the Common Core of Data (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

  1. HurricanesRelatively moderate
  2. Strong windRelatively moderate
  3. LightningRelatively moderate
  4. Winter weatherRelatively moderate
  5. Heat wavesRelatively moderate

FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Owings’ 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 Calvert County and the Washington-Arlington-Alexandria, DC-VA-MD-WV metro.

Owings home values

Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.

$200,000 $400,000 $600,000 2018 2020 2022 2024 2026 Owings $611,566 Maryland $424,890 United States $366,157
$200,000 $400,000 $600,000 2018 2022 2026
  • Owings$611,566
  • Maryland$424,890
  • United States$366,157
Property tax, 2026 roll $5,378/yr median bill inside Owings, effective 0.88% of estimated value — current assessment rolls, AssessorSearch Data Lab, quality-gated against the county's official figures

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 4 Owings 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.

JFMAMJJASOND
2026
2025
2024
2023
2022
2021
2020
2019
2018
falling flat warming hot overheating runaway

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.

22% 24% 26% 28% 2026 Owings 25.00% United States 26.90%
22% 24% 26% 28% 2026
  • Owings25.00%
  • United States26.90%

Homes for sale

Active for-sale inventory. More supply hands power to buyers.

10 20 30 2023 2024 2025 2026 Owings 29
10 20 30 2023 2024 2025 2026
  • Owings29

New listings per month

Sellers arriving at the market.

5 10 15 2026 Owings 12
5 10 15 2026
  • Owings12

Zip codes with a Owings address

A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Owings — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.

Zip codes in Owings