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Featured local agent — Church Creek, MD
Sarah Mitchell
Compass Real Estate · Church Creek, MD
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Church Creek, MD Housing Market
The typical home in Church Creek, MD is worth $271,259, rose 3.7% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $231,777 (through May 2026). With homes going under contract in about 385 days, Church Creek is a balanced market. At today's 7.03% 30-year fixed rate, 20% down on a $271,259 home is about $1,448/mo in principal and interest.
Key numbers for Church Creek, MD
Typical home value
$271,259
+3.7% in 12 months
Zillow, August 2026
Median sale price
$231,777
Last published period
Redfin, through July 2025
Days on market
385
Slow-moving
Redfin, through July 2025
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$61,250
Home costs 4.4x income
U.S. Census ACS, 2023
Sale-to-list ratio
103.0%
Selling above asking
Redfin, through July 2025
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Church Creek a buyer's or seller's market?
Church Creek, MD is a balanced market and homes selling in about 385 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Church Creek housing market data show?
Every row below is Redfin's final published month for Church Creek, MD. Redfin, through July 2025
| Metric | Value |
|---|---|
| Median sale price | $231,777 |
| Median price per sq ft | $136/sq ft |
| Median days on market | 385 days |
| Sale-to-list price ratio | 103.0% |
| Homes sold (that month) | 1 |
| Market condition | Balanced market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Church Creek is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Church Creek is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Church Creek home prices moved?
Across the 4 months we hold for Church Creek, MD, the median sale price fell 7.3%, from $250,000 in July 2022 to $231,777. The live Zillow value series has rose 3.7% in the last 12 months, which is the more current read now that Redfin's series has stopped.
Redfin, through July 2025 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Church Creek?
Priced off the typical home value of $271,259 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $54,252 | $217,007 | $1,448/mo |
| 5% | $13,563 | $257,696 | $1,720/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,448, that implies roughly $62,063 a year before you add taxes and insurance. The median household in Church Creek earns $61,250, about $813 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 4.4x — above the historical 3x norm but in line with much of the country in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Church Creek in the next 12 months?
Tell us your timeline. We send the Church Creek market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Church Creek?
Zillow does not publish a rent index (ZORI) for Church Creek, MD, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Church Creek?
Active listings in Church Creek, MD went from 1 in May 2023 to 1 in June 2023, a +0.0% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| May 2023 | 1 | 1 |
| June 2023 | 1 | 1 |
Redfin, through June 2023
How does Church Creek compare to Maryland and the U.S.?
Church Creek homes sell for $231,777 — 51% below the Maryland median of $477,300. Against the national median of $410,700, Church Creek runs 44% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Church Creek, MD | $231,777 | not published | 385 days |
| Maryland statewide | $477,300 | +5.5% | 34 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through July 2025 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Church Creek
What buyers should watch
- The gap between 5% and 20% down here is $272 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $271,259 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Church Creek listing goes under contract in 385 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 103.0% of asking. Price at the number you want and let competition do the rest.
- Your equity moved +3.7% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Church Creek varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Church Creek
Explore homes currently listed for sale in Church Creek, Maryland across major real estate platforms.
How much do homes cost in Church Creek by property type?
How the Church Creek, MD market breaks down across single-family homes, condos and townhouses. Redfin, through July 2025
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $231,777 | $136/sq ft | 1 | 385 days |
Who lives in Church Creek?
American Community Survey estimates for Church Creek. U.S. Census ACS, 2023
Population
131
Households
78
Median income
$61,250/yr
Median age
60.5 years
Owner-occupied
87.2%
Median home value
$245,800
Median gross rent
$3,501/mo
Mean commute
33.8 min
87.2% of occupied homes in Church Creek are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $245,800 against Zillow's $271,259 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Church Creek?
1 schools tracked · 240 students
The largest public schools serving Church Creek, MD by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
South Dorchester School
Grades PK-8 · 240 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Church Creek, MD?
Ordered by distance from Church Creek, not by size. Compare Church Creek side by side with any of them.
Church Creek housing market FAQ
Is Church Creek a buyer's or seller's market?
Church Creek, MD is currently a balanced market based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in Church Creek?
The typical home in Church Creek, MD is worth $271,259 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $231,777, about $136 per square foot.
Is Church Creek cheaper than the rest of Maryland?
Church Creek's median sale price of $231,777 is 51% lower than the Maryland statewide median of $477,300, and 44% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Church Creek?
Homes in Church Creek, MD spent a median of 385 days on market before going under contract, versus 34 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Church Creek?
At the current 30-year fixed rate of 7.03%, 20% down on a $271,259 home is about $1,448 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $62,063 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $61,250.
Are home prices rising in Church Creek?
The typical home value in Church Creek, MD rose 3.7% over the last 12 months, from $261,570 to $271,259 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Church Creek?
Church Creek ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Church Creek?
That depends on your timeline, not on a headline. What the data says today: Church Creek, MD is a balanced market, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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