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Mortgage Calculator &
Closing Costs: Bowie, MD

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

Median Home Price
$445K
Population
58K
Avg Monthly Rent
$1,750
Property Tax Rate
1.09%
Bowie vs Maryland Median
The median home price in Bowie is $445,000, which is 6% above the Maryland state median of $420,000.

Mortgage Calculator — Bowie, MD

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

$
$89,000
%
%
years
MD avg
%
$
Monthly Payment (PITI)
$2,796
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$2,250
per month
Taxes & Insurance
$546
per month
Total Interest Paid
$454K
over 30 years
Total Loan Cost
$810K
all payments
Payment Breakdown
Loan Amount$356,000
Principal & Interest$2,250
Property Taxes$404
Homeowners Insurance$142
Total Monthly PITI$2,796

Closing Costs — Bowie, MD

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

$
%
Maryland: Avg closing costs 2.5% of price. Transfer tax: 1.5%.
Estimated Closing Costs
$19,457
4.4% of purchase price
Lender Fees
$3,629
origination, underwriting
Third-Party
$3,675
appraisal, title, inspection
Government Fees
$6,675
transfer taxes, recording
Prepaids + Escrow
$5,478
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$3,204
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,525
Recording Fee$150
Transfer Tax$6,675
Prepaid Taxes (3 mo)$1,213
Prepaid Insurance (12 mo)$1,700
Prepaid Interest (15 days)$1,070
Escrow Reserves$1,496
Total Closing Costs$19,457

Buying a Home in Bowie, Maryland

The median home price in Bowie is $445,000, 6% above the Maryland state median of $420,000. With a population of 58,025, Bowie is a smaller market where home prices reflect strong demand and local economic factors.

Property taxes in Maryland average 1.09% annually. This moderate property tax rate means a $445,000 home in Bowie would carry roughly $404/month in property taxes. Homeowners insurance in Maryland runs approximately $1,700 per year. This is within the normal range nationally.

Average rent in Bowie is $1,750/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.

Bowie is a higher-cost market. At $445K median, buyers need significant savings or strong income. Down payment assistance through Maryland's MD Mortgage Program program becomes especially important.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Bowie.
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