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Featured local agent — Kemps Mill, MD
Sarah Mitchell
Compass Real Estate · Kemps Mill, MD
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Kemps Mill, MD Housing Market
The last median sale price Redfin published was $295,000 (through May 2026). With homes going under contract in about 5 days, Kemps Mill is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $295,000 home is about $1,575/mo in principal and interest.
Key numbers for Kemps Mill, MD
Median sale price
$295,000
Last published period
Redfin, through July 2024
Days on market
5
Fast-moving
Redfin, through July 2024
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Sale-to-list ratio
101.7%
Selling above asking
Redfin, through July 2024
Zillow figures 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 Kemps Mill a buyer's or seller's market?
Kemps Mill, MD is a seller's market and homes selling in about 5 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 Kemps Mill housing market data show?
Every row below is Redfin's final published month for Kemps Mill, MD. Redfin, through July 2024
| Metric | Value |
|---|---|
| Median sale price | $295,000 |
| Median price per sq ft | $256/sq ft |
| Median days on market | 5 days |
| Sale-to-list price ratio | 101.7% |
| Homes sold (that month) | 1 |
| Market condition | 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 Kemps Mill is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Kemps Mill 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 Kemps Mill home prices moved?
Across the 5 months we hold for Kemps Mill, MD, the median sale price rose 18.0%, from $249,900 in May 2021 to $295,000.
Redfin, through July 2024 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Kemps Mill?
Priced off the median sale price of $295,000 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% | $59,000 | $236,000 | $1,575/mo |
| 5% | $14,750 | $280,250 | $1,870/mo |
Redfin, through July 2024 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 $1,575, that implies roughly $67,495 a year before you add taxes and insurance. We do not hold a Census income figure for Kemps Mill, so we cannot compare that threshold to local earnings.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Kemps Mill in the next 12 months?
Tell us your timeline. We send the Kemps Mill 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 Kemps Mill?
Zillow does not publish a rent index (ZORI) for Kemps Mill, 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 Kemps Mill?
We hold fewer than two months of inventory readings for Kemps Mill, MD, so there is no trend to report yet.
How does Kemps Mill compare to Maryland and the U.S.?
Kemps Mill homes sell for $295,000 — 38% below the Maryland median of $477,300. Against the national median of $410,700, Kemps Mill runs 28% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Kemps Mill, MD | $295,000 | not published | 5 days |
| Maryland statewide | $477,300 | +5.5% | 34 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through July 2024 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Kemps Mill
What buyers should watch
- The gap between 5% and 20% down here is $295 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 $295,000 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 Kemps Mill listing goes under contract in 5 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 101.7% of asking. Price at the number you want and let competition do the rest.
- Comparable ZIP-level pricing inside Kemps Mill varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Kemps Mill
Explore homes currently listed for sale in Kemps Mill, Maryland across major real estate platforms.
How much do homes cost in Kemps Mill by property type?
How the Kemps Mill, MD market breaks down across single-family homes, condos and townhouses. Redfin, through July 2024
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $295,000 | $256/sq ft | 1 | 5 days |
Who lives in Kemps Mill?
American Community Survey estimates for Kemps Mill. U.S. Census ACS, 2023
Population
62
Households
28
Median age
65.3 years
Owner-occupied
100.0%
100.0% of occupied homes in Kemps Mill 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.
Which cities are near Kemps Mill, MD?
Ordered by distance from Kemps Mill, not by size. Compare Kemps Mill side by side with any of them.
Kemps Mill housing market FAQ
Is Kemps Mill a buyer's or seller's market?
Kemps Mill, MD is currently a seller's 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 Kemps Mill?
The median sale price in the last month Redfin published was $295,000, about $256 per square foot.
Is Kemps Mill cheaper than the rest of Maryland?
Kemps Mill's median sale price of $295,000 is 38% lower than the Maryland statewide median of $477,300, and 28% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Kemps Mill?
Homes in Kemps Mill, MD spent a median of 5 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 Kemps Mill?
At the current 30-year fixed rate of 7.03%, 20% down on a $295,000 home is about $1,575 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $67,495 a year before taxes, insurance, HOA dues or mortgage insurance.
Are home prices rising in Kemps Mill?
We do not hold a complete 12-month value series for Kemps Mill, MD yet, so we are not going to call a direction. The price chart above shows every period we do have.
What are the cheapest ZIP codes in Kemps Mill?
Kemps Mill 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 Kemps Mill?
That depends on your timeline, not on a headline. What the data says today: Kemps Mill, MD is a seller's market, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $295,000, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.