M
MortgageMath
Free mortgage calculators for every state

Mortgage Calculator &
Closing Costs: College Park, MD

Mortgage payment estimates, closing cost breakdowns, and homebuying data for College Park, Maryland.

Median Home Price
$385K
Population
32K
Avg Monthly Rent
$1,550
Property Tax Rate
1.09%
College Park vs Maryland Median
The median home price in College Park is $385,000, which is 8% below the Maryland state median of $420,000.

Mortgage Calculator — College Park, MD

Pre-filled with College Park median home price and Maryland tax/insurance rates. Adjust for your property.

$
$77,000
%
%
years
MD avg
%
$
Monthly Payment (PITI)
$2,438
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,947
per month
Taxes & Insurance
$492
per month
Total Interest Paid
$393K
over 30 years
Total Loan Cost
$701K
all payments
Payment Breakdown
Loan Amount$308,000
Principal & Interest$1,947
Property Taxes$350
Homeowners Insurance$142
Total Monthly PITI$2,438

Closing Costs — College Park, MD

Estimated closing costs based on Maryland rates and fees applied to College Park prices.

$
%
Maryland: Avg closing costs 2.5% of price. Transfer tax: 1.5%.
Estimated Closing Costs
$17,354
4.5% of purchase price
Lender Fees
$3,197
origination, underwriting
Third-Party
$3,375
appraisal, title, inspection
Government Fees
$5,775
transfer taxes, recording
Prepaids + Escrow
$5,007
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,772
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,225
Recording Fee$150
Transfer Tax$5,775
Prepaid Taxes (3 mo)$1,049
Prepaid Insurance (12 mo)$1,700
Prepaid Interest (15 days)$926
Escrow Reserves$1,332
Total Closing Costs$17,354

Buying a Home in College Park, Maryland

The median home price in College Park is $385,000, 8% below the Maryland state median of $420,000. With a population of 32,303, College Park is a smaller market where home prices tend to be more accessible than in many parts of Maryland.

Property taxes in Maryland average 1.09% annually. This moderate property tax rate means a $385,000 home in College Park would carry roughly $350/month in property taxes. Homeowners insurance in Maryland runs approximately $1,700 per year. This is within the normal range nationally.

Average rent in College Park is $1,550/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

College Park presents moderate affordability. The $385K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in College Park.
Rent vs Buy Calculator →
Explore all of Maryland: Maryland Mortgage Calculator & Closing Costs →

Related Guides

The First-Time Buyer Playbook
Free weekly guide: mortgage tips, market updates, and money-saving strategies. No spam.