The story of this market
The typical home in Cecil County, Maryland sells for about $381,475, or $215 per square foot.
Prices are up +3% from a year ago, so sellers still have some momentum. Homes take about 10 days to sell, which is fast. Over the long run, values in this county have grown 154% since 2000. Last year 21 of 21 neighborhoods saw prices rise, so the story isn't the same street to street. HUD's fair market rent for a two-bedroom is $1,860 a month.
HUD sets the fair market rent for a 2-bedroom at $1,860 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
+5.4%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2005 (+19%). Worst: 2009 (-8.5%). Hover to read a year.
Monthly price momentum
Home values since 2015
+1.1%
MD · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$2,216
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+5.4%
2025 change
FHFA repeat-sales index, median of 21 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
34
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $23,230,628.
Mortgage activity
Home lending in this county
76%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 4762 | 2409 | 76% | 1.7% | $245,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Cecil County, Maryland
The Cecil County housing market shows resilience with steady year-over-year price growth and a competitive pace of sales. Low inventory levels continue to support pricing, though the market remains sensitive to broader economic shifts and interest rate fluctuations.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 6 cities · 9 ZIP reports
Median prices moved down 5.6% year over year.
Homes spend a median of 44 days on market with 0.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 0.03% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.8% · poverty 7.2% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Deterministic aggregate of 9 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Cecil County, Maryland — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Each property observation weighs one in its ZIP's deterministic roll-up — property-level records (taxes, scores, permits) never roll individually. Latest property research run Oct 9, 2026.
researched Sep 16
researched Sep 16
researched Sep 16
researched Sep 19
researched Sep 19
researched Sep 16
researched Sep 16
researched Sep 20
researched Sep 20
| 21901 | North East | $474,943 | $222 | -12.5% | 44 | — | — | — | 130 | $1,465 | researched Sep 16 |
| 21904 | Port Deposit | $375,000 | $215 | +2.4% | 48 | 98.5% | 18% | 3.2 | 42 | $1,422 | researched Sep 16 |
| 21911 | Rising Sun | $399,333 | $191 | +26.8% | 48 | 100% | — | 1 | 21 | $1,218 | researched Sep 16 |
| 21914 | Charlestown | $300,600 | $210 | 0% | 44 | — | — | — | 417 | $1,522 | researched Sep 19 |
| 21915 | Chesapeake City | $416,000 | $210 | 0% | 44 | — | — | — | 417 | $825 | researched Sep 19 |
| 21918 | Conowingo | $431,000 | $196 | +7.2% | 44 | — | — | — | 507 | $876 | researched Sep 16 |
| 21920 | Elk Mills | $431,000 | $215 | 0% | 44 | — | — | — | 36,882 | $1,346 | researched Sep 16 |
| 21921 | Elkton | $319,000 | $204 | +5.2% | 9 | — | — | — | 143 | $1,421 | researched Sep 20 |
| 21922 | Elkton | $431,748 | $231 | -4.6% | 44 | — | — | — | 351 | $1,889 | researched Sep 20 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Cecil County maintains a lower crime rate compared to the more urbanized corridors of the Baltimore-Washington region, with public safety efforts focused on community policing and rural outreach.
The county is served by Cecil County Public Schools, which generally maintains a stable reputation with a focus on career and technical education pathways for students.
The county faces moderate risks from coastal flooding along the Chesapeake Bay and Susquehanna River, alongside typical mid-Atlantic wind and storm exposure.
Economic momentum is driven by logistics, manufacturing, and the redevelopment of the former Bainbridge Naval Training Center, supported by its strategic location between Philadelphia and Baltimore.
Property taxes are levied at both the county and municipal levels, with specific rates determined by the Cecil County Council; the county offers various homestead and senior tax credits to mitigate the burden on primary residents.
The economy is anchored by logistics, distribution, and manufacturing sectors, benefiting from proximity to I-95 and major East Coast markets.
The county is bisected by I-95 and US Route 40, providing critical transit corridors for commuters traveling to Wilmington, Philadelphia, and Baltimore.
The Cecil County Department of Finance, Treasury Division, manages property assessments and tax billing, with reassessments conducted on a triennial cycle.
The county is served by various special districts including water and sewer authorities and the Cecil College district, which provides local higher education access.
Property insurance premiums are influenced by the county's coastal exposure, with rates generally consistent with broader Maryland averages for similar hazard profiles.
- Great Wolf Lodge | Perryville46.9 mi
- Plumpton Park Zoo4.59.5 mi
- Urban Air Trampoline and Adventure Park3.829.1 mi
- Sky Zone Trampoline Park4.210.9 mi
- Frightland4.216.2 mi
- Schaefer's Canal House4.57.8 mi
- Delaware Stadium4.612.1 mi
- Di Paolo's Italian Ristorante4.627.6 mi
- DuPont Country Club4.625.1 mi
- Golden Corral Buffet & Grill4.18.7 mi
- Great Wolf Lodge | Perryville46.9 mi
- Delaware Park Casino417.3 mi
- Herr’s Snack Factory Tour & Gift Shop4.812.6 mi
- Lums Pond State Park4.711.5 mi
- Plumpton Park Zoo4.59.5 mi
- Winterthur Museum, Garden & Library4.723.9 mi
- Brandywine Museum of Art4.727.8 mi
- Nemours Estate4.824.9 mi
- Rodney Square4.124.3 mi
- Delaware Children's Museum4.623.3 mi
- Lums Pond State Park4.711.5 mi
- Plumpton Park Zoo4.59.5 mi
- Elk Neck State Park4.66.5 mi
- Cedar Lane Regional Park4.318.1 mi
- Calvert Regional Park4.78.8 mi
- Bohemia Bay Yacht Harbour4.86.6 mi
- Craft Haven Campground & Marina4.73.6 mi
- Anchor Marina Inc.4.61.2 mi
- Triton Marina4.44.8 mi
- Tidewater Marina4.67.8 mi
- Wyncote Golf Club (Golf Shop)4.516.6 mi
- Bulle Rock Golf Course4.510.2 mi
- Deerfield4.614.4 mi
- Inniscrone Golf Club3.918.2 mi
- White Clay Creek Country Club4.416.9 mi
- Christiana Mall4.517.2 mi
- New Castle Farmers Market4.419.5 mi
- Newark Farmers Market4.616.5 mi
- Milburn Orchards4.69.7 mi
- Burlington3.616 mi
- Wilmington Airport4.319.5 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
Features diverse landscapes including sandy beaches, marshes, and wooded bluffs overlooking the Chesapeake Bay.
A charming canal-side town known for its Victorian architecture, dining, and views of the C&D Canal.
A massive expanse of rolling hills and woodlands popular for equestrian events, hiking, and mountain biking.
Data retrieved from US Census Bureau and Data Commons.
applies when — Applies to residential parcels located within a development subject to a declaration of covenants or restrictions requiring mandatory membership in an association.
Imposes obligations on parcel owners to pay assessments, adhere to recorded covenants, and comply with association governance and disclosure requirements upon resale.
Real Property Article Title 11B.
Property is assessed at its phased-in use value. The tax is calculated by multiplying the assessed value by the applicable state and local tax rates. The Homestead Property Tax Credit limits the annual increase in taxable assessment for owner-occupied residential property to a fixed percentage (set by local jurisdictions, typically 10% or less) of the prior year's assessment.
Tax-Property Article § 8-103; COMAR Title 18.
≈ $38,148/yr on a $381,475 median
Maryland utilizes a judicial-supervised process. Foreclosure actions cannot be filed until 90 days after a default. Homeowners have 30 days from the date of the Notice of Report of Sale to file exceptions to the sale.
Real Property Article § 7-105.1; Maryland Rules of Procedure.
applies when — Applies to the transfer of residential real property of one to four single-family units, excluding specific transfers such as initial sales of never-occupied property, foreclosure sales, or transfers by fiduciaries.
Sellers must provide either a disclosure statement detailing known latent defects or a disclaimer statement selling the property 'as is' without warranties.
Real Property Article § 10-702, Annotated Code of Maryland.
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.