Maryland (MD) · State tax: 5.75% · Property tax: 1.09% · Median home (ZHVI): $415,000
As of · Sources: Zillow ZHVI, Tax Foundation, Census ACS, Freddie Mac PMMS
Your debt-to-income (DTI) ratio in Maryland is a critical metric for mortgage and loan qualification. Lenders typically require a front-end DTI below 28% (housing costs only) and a back-end DTI below 36–43% (all debts). In Maryland, the 5.75% state income tax reduces your gross-to-net ratio, but lenders use gross income for DTI calculations. With a median home price of $415,000 and property taxes of 1.09%, housing costs in Maryland can consume a significant portion of median household income. The cost of living index of 104.6 provides additional context for how much of your income goes to non-housing obligations that factor into back-end DTI.
Median income ÷ PITI determines borrowing headroom for the debt-to-income ratio calculator in Maryland. Every row cites a primary public dataset. Numbers reflect the most recent vintage available; refresh cadence is documented in the methodology.
The Debt-to-Income Ratio Calculator runs a well-known formula (principal × rate, discounted cash flow, amortization, or equivalent) client-side and layers on Maryland's tax and cost-of-living inputs. State-specific numbers — brackets, exemptions, and averages — come from public federal / state datasets cited in the sources section.
Same formula, different inputs. Each city name links to its own pSEO page where the calculator is pre-filled with local medians.
| City | Median home | Median rent | HUD FMR 2BR | Median income |
|---|---|---|---|---|
| Baltimore, MD | $399,960 | $1,868/mo | $1,725/mo | $97,300 |
| Frederick, MD | $395,000 | $1,550/mo | $1,425/mo | $88,500 |
Sources: Zillow ZHVI + ZORI[1], HUD FMR[2], Census ACS[3], Freddie Mac PMMS[4].
Moving one state over changes the debt-to-income ratio numbers. Compare median home value (Zillow ZHVI), top marginal income tax rate, effective property tax rate, and the BEA all-items Regional Price Parity across Maryland and its border states.
| State | Median home | Top inc tax | Prop tax rate | RPP (US=100) |
|---|---|---|---|---|
| Maryland (this page) | $415,000 | 5.75% | 1.09% | 104.6 |
| Delaware side-by-side | $350,000 | 6.60% | 0.58% | 98.8 |
| District of Columbia | $620,000 | 10.75% | 0.55% | 110.7 |
| see Pennsylvania | $265,000 | 3.07% | 1.49% | 97.4 |
| Virginia | $385,000 | 5.75% | 0.80% | 101.3 |
Sources: Zillow ZHVI[1], state Departments of Revenue / Tax Foundation[2], Tax Foundation property taxes[3], BEA Regional Price Parities[4].
These calculators share inputs with the debt-to-income ratio formula, so pair them to pressure-test your answer from multiple angles.
| Metric | Maryland | National Avg | DE | DC | PA |
|---|---|---|---|---|---|
| Median Home Price | $415,000 | $420,000 | $375,000 | $715,000 | $305,000 |
| Property Tax Rate | 1.09% | 1.07% | 0.57% | 0.85% | 1.65% |
| State Income Tax | 5.75% | 4.6%* | 6.6% | 8.95% | 3.07% |
| Avg Insurance Cost | $1,240/yr | $1,544/yr | $1,440/yr | $1,440/yr | $1,440/yr |
| Cost of Living Index | 104.6 | 100 | 103 | 137 | 100 |
| Household Income — p25 | $52,010 | $41,401 | $44,000 | $46,057 | $39,728 |
| Household Income — p50 (median) | $109,720 | $83,592 | $85,640 | $104,151 | $80,000 |
| Household Income — p75 | $189,201 | $153,000 | $141,160 | $215,996 | $147,577 |
*Average of states that levy an income tax. 2026 estimates. [3] Income percentiles from DQYDJ/Census CPS 2024[4].
Track take-home pay: 5.75% state income tax plus federal + FICA reduces gross wages by roughly 31% in Maryland.
Anchor savings goals to the Maryland cost of living index (104.6). A national 20% savings rate needs adjustment up or down depending on local expense floors.
Use tax-advantaged accounts first: 401(k), HSA, IRA. Contributions to pre-tax accounts save 5.75% at the state level plus your federal marginal rate.
Every number on this page reads from the same CalcFi data repository used by the Live Data pages below — the figures stay consistent.
Home Prices by State
Zillow ZHVI across all 50 states
Property Tax by State
Effective rate × ZHVI = annual bill
Household Income by State
FRED real median + percentile bands
Cost of Living by State
BEA RPP all-items + housing
No-Income-Tax States
Full list + trade-offs
Current Interest Rates
Treasury curve + PMMS + FDIC
CalcFi pSEO pages combine three inputs: (1) the calculator formula itself, which runs client-side so no inputs leave your browser; (2) state-level financial constants from primary public datasets; and (3) national benchmarks for comparison. The Maryland page uses the property tax rate (1.09%), median home price ($415,000), and 5.75% state income tax from the sources listed below.
Refresh cadence:state tax brackets and minimum wage rates are reviewed annually after each state's legislative session. Property tax, median home price, insurance, and cost-of-living figures are reviewed annually against the primary sources. Income percentiles are refreshed when the Census CPS/IPUMS releases update (typically September). Page-level dateModified matches the last editorial review date, shown above.
Known limits: statewide averages mask large intra-state variance — county-level property tax and metro-level home prices differ significantly from the figures shown. For the most precise calculations, cross-check the output against your actual county assessor and the latest federal/state tax tables at filing time.
Use Debt-to-Income Ratio Calculator for any city in Maryland.
Every number on this page cites a primary public dataset. Last reviewed (auto-bumped by the next ISR refresh after an ETL run).
CalcFi does not sell data. If you spot an error, email hello@calcfi.app with the URL and the correct figure.