New Listing
51
$325,000
3700 College Ave Apt 305
Ellicott City, MD 21043
2 bd2 ba941 sqft$345/ft²
Condo
Sam Gupta · EXP Realty, LLC
View photos & details
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Ellicott City, MD Housing Market
Strong seller's market-1.1% YoY
Zillow, August 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, September 2026 · Refreshes weekly
The typical home in Ellicott City, MD is worth $735,463, fell 1.1% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $717,000, +7.0% year over year (through May 2026). With 1.2 months of supply and homes going under contract in about 17 days, Ellicott City is a strong seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $735,463 home is about $3,926/mo in principal and interest.
Key numbers for Ellicott City, MD
Typical home value
$735,463
-1.1% in 12 months
Zillow, August 2026
Typical asking rent
$2,660/mo
Zillow Observed Rent Index
Zillow, August 2026
Median sale price
$717,000
+7.0% year over year
Redfin, through May 2026
Days on market
17
Fast-moving
Redfin, through May 2026
Active listings
100
1.2 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$157,891
Home costs 4.7x income
U.S. Census ACS, 2023
Sale-to-list ratio
103.0%
Selling above asking
Redfin, through May 2026
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 Ellicott City a buyer's or seller's market?
Strong seller's market1.2 months of supply17 days on market103.0% of asking
Ellicott City, MD is a strong seller's market, based on 1.2 months of supply and homes selling in about 17 days. Under 2 months of supply is a severe shortage: expect competition on almost anything priced correctly, and little room to negotiate below asking.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Ellicott City housing market data show?
Every row below is Redfin's final published month for Ellicott City, MD. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $717,000 |
| Median list price | $750,000 |
| Year-over-year price change | +7.0% |
| Median price per sq ft | $259/sq ft |
| Median days on market | 17 days |
| Active inventory | 100 listings |
| Months of supply | 1.2 months |
| Sale-to-list price ratio | 103.0% |
| Homes sold (that month) | 85 |
| New listings (that month) | 116 |
| Listings with a price cut | 27.0% |
| Market condition | Strong seller's 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 Ellicott City is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Ellicott City 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 Ellicott City home prices moved?
Over the last three years the median sale price in Ellicott City, MD rose 12.0%, from $640,000 to $717,000. The live Zillow value series has fell 1.1% in the last 12 months, which is the more current read now that Redfin's series has stopped. 27.0% of Ellicott City listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 1.2 months while the sale-to-list ratio slips below its current 103.0%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Ellicott City?
Priced off the typical home value of $735,463 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% | $147,093 | $588,370 | $3,926/mo |
| 5% | $36,773 | $698,690 | $4,662/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 $3,926, that implies roughly $168,270 a year before you add taxes and insurance. The median household in Ellicott City earns $157,891, about $10,379 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 4.7x — 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 Ellicott City in the next 12 months?
Tell us your timeline. We send the Ellicott City 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 Ellicott City?
Typical asking rent in Ellicott City, MD is $2,660/mo, against a typical home value of $735,463. That is a price-to-rent ratio of 23.0x, which means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Compared head to head, 20% down puts principal and interest at $3,926 a month — $1,266 more than renting before taxes and insurance, so the ownership case here rests on equity and appreciation rather than monthly cash flow.
Zillow, August 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in Ellicott City?
Active listings in Ellicott City, MD went from 95 in May 2025 to 100 in May 2026, a +5.3% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 115 | 98 |
| July 2025 | 125 | 86 |
| August 2025 | 105 | 66 |
| September 2025 | 86 | 66 |
| October 2025 | 81 | 57 |
| November 2025 | 86 | 50 |
| December 2025 | 58 | 23 |
| January 2026 | 51 | 36 |
| February 2026 | 58 | 45 |
| March 2026 | 68 | 75 |
| April 2026 | 74 | 89 |
| May 2026 | 100 | 116 |
Redfin, through May 2026
How does Ellicott City compare to Maryland and the U.S.?
Ellicott City homes sell for $717,000 — 50% above the Maryland median of $477,300. Against the national median of $410,700, Ellicott City runs 75% higher. Year-over-year, Ellicott City moved +7.0% against Maryland's +5.5% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Ellicott City, MD | $717,000 | +7.0% | 17 days |
| Maryland statewide | $477,300 | +5.5% | 34 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Ellicott City
What buyers should watch
- Months of supply, currently 1.2. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 27.0%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $736 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 $735,463 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 Ellicott City listing goes under contract in 17 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.
- In the last published month Ellicott City added 116 new listings against 85 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved -1.1% 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 Ellicott City varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Ellicott City
There are currently 100 homes listed for sale in Ellicott City, Maryland. The median listing price is $750K. Featured listings range from $325,000 to $1,999,999.
New Listing
35
$329,900
4990 Dorsey Hall Dr Unit B2
Ellicott City, MD 21042
3 bd2 ba1,270 sqft$260/ft²
Condo
Nancy Hulsman · Coldwell Banker Realty
View photos & details
New Listing
34
$449,000
10530 Resort Rd Unit 210
Ellicott City, MD 21042
2 bd2 ba1,146 sqft$392/ft²
Condo
Peter Kim · Bethesda Realty Group LLC
View photos & details
New Listing
6
$500,000
8666 Manahan Dr
Ellicott City, MD 21043
3 bd4 ba2,025 sqft$247/ft²
Townhouse2,178 sqft lot
Brittany Gough · RE/MAX One
View photos & details
New Listing
43
$685,000
4041 Fragile Sail Way
Ellicott City, MD 21042
3 bd4 ba2,768 sqft$247/ft²
House15,682 sqft lot
Nathaniel Titman · Equity One Realty
View photos & details
New Listing
3
$690,000
6016 Hidden Meadow Unit 14
Ellicott City, MD 21043
3 bd4 ba2,990 sqft$231/ft²
Condo
VENKATESWARA GURRAM · Samson Properties
View photos & details
New Listing
$750,000
10141 Bell Inn Ln
Ellicott City, MD 21042
4 bd3 ba2,699 sqft$278/ft²
House19,427 sqft lot
Robert Lucido · Keller Williams Lucido Agency
View photos & details
New Listing
$975,000
2877 Thornbrook Rd
Ellicott City, MD 21042
6 bd5 ba5,530 sqft$176/ft²
House15,568 sqft lot
Charlotte Savoy · The KW Collective
View photos & details
New Listing
17
$975,000
9603 Sparrow Ct
Ellicott City, MD 21042
4 bd4 ba3,884 sqft$251/ft²
House20,000 sqft lot
Michael Sloan · Northrop Realty
View photos & details
New Listing
2
$1,020,000
2313 Old Maple Ct
Ellicott City, MD 21042
5 bd4 ba4,225 sqft$241/ft²
House18,075 sqft lot
Nellie Arrington · Long & Foster Real Estate, Inc.
View photos & details
New Listing
49
$1,790,000
10312 Kingsway Ct
Ellicott City, MD 21042
5 bd6 ba5,297 sqft$338/ft²
House30,492 sqft lot
Creig Northrop · Northrop Realty
View photos & details
New Listing
81
$1,999,999
2004 Diane Ln
Ellicott City, MD 21042
6 bd5 ba5,220 sqft$383/ft²
House1.04 acres
Robert Carter · Douglas Realty LLC
View photos & details
Looking to buy in Ellicott City?
Get connected with a local real estate expert — free, no obligation.
Active listings
100
Homes on market
Median list price
$750K
Avg. days on market
17
Days until sale
New this week
116
Newly listed
Price drops:27.0%of listings
Sale-to-list:103.0%
How much do homes cost in Ellicott City by property type?
How the Ellicott City, MD market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $855,050 | $273/sq ft | 50 | 6 days |
| Condo / co-op | $385,000 | $275/sq ft | 11 | 30 days |
| Townhouse | $650,000 | $252/sq ft | 24 | 29 days |
Who lives in Ellicott City?
American Community Survey estimates for Ellicott City. U.S. Census ACS, 2023
Population
73,737
Households
26,578
Median income
$157,891/yr
Median age
42.8 years
Owner-occupied
72.7%
Median home value
$644,300
Median gross rent
$2,001/mo
Mean commute
29 min
72.7% of occupied homes in Ellicott City 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 $644,300 against Zillow's $735,463 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions. Census median gross rent (all leases, including long-held ones) is $2,001/mo, below Zillow's $2,660/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which public schools serve Ellicott City?
22 schools tracked · 16,389 students
The largest public schools serving Ellicott City, 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.
Howard High
Grades 9-12 · 1,529 students
Mount Hebron High
Grades 9-12 · 1,518 students
Centennial High
Grades 9-12 · 1,364 students
Veterans Elementary
Grades PK-5 · 897 students
Waverly Elementary
Grades PK-5 · 868 students
Bellows Spring Elementary
Grades PK-5 · 825 students
Burleigh Manor Middle
Grades 6-8 · 776 students
Northfield Elementary
Grades K-5 · 749 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 Ellicott City, MD?
Ordered by distance from Ellicott City, not by size. Compare Ellicott City side by side with any of them.
Which ZIP codes are in Ellicott City?
These are the ZIP codes we see on active Ellicott City listings. Redfin did not publish a matching ZIP-level sale row for the same period, so we are not ranking them by price here — each ZIP page shows exactly what we hold for it.
Ellicott City housing market FAQ
Is Ellicott City a buyer's or seller's market?
Ellicott City, MD is currently a strong seller's market. That read comes from 1.2 months of supply, homes going under contract in about 17 days, and sellers getting 103.0% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Ellicott City?
The typical home in Ellicott City, MD is worth $735,463 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $717,000, about $259 per square foot.
Is Ellicott City cheaper than the rest of Maryland?
Ellicott City's median sale price of $717,000 is 50% higher than the Maryland statewide median of $477,300, and 75% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Ellicott City?
Homes in Ellicott City, MD spent a median of 17 days on market before going under contract, versus 34 days statewide. Under three weeks means well-priced listings move before most buyers can schedule a second showing. (Redfin, through May 2026.)
What income do you need to buy a home in Ellicott City?
At the current 30-year fixed rate of 7.03%, 20% down on a $735,463 home is about $3,926 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $168,270 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $157,891.
Are home prices rising in Ellicott City?
The typical home value in Ellicott City, MD fell 1.1% over the last 12 months, from $743,501 to $735,463 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Ellicott City?
Ellicott City 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 Ellicott City?
That depends on your timeline, not on a headline. What the data says today: Ellicott City, MD is a strong seller's market with 1.2 months of supply, the 30-year fixed rate is 7.03%, and the price-to-rent ratio of 23.0x means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Properties Incorporated publishes the data; it does not give financial advice.
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