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Mortgage Calculator &
Closing Costs: Salisbury, MD

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

Median Home Price
$255K
Population
34K
Avg Monthly Rent
$1,180
Property Tax Rate
1.09%
Salisbury vs Maryland Median
The median home price in Salisbury is $255,000, which is 39% below the Maryland state median of $420,000.

Mortgage Calculator — Salisbury, MD

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

$
$51,000
%
%
years
MD avg
%
$
Monthly Payment (PITI)
$1,663
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,289
per month
Taxes & Insurance
$374
per month
Total Interest Paid
$260K
over 30 years
Total Loan Cost
$464K
all payments
Payment Breakdown
Loan Amount$204,000
Principal & Interest$1,289
Property Taxes$232
Homeowners Insurance$142
Total Monthly PITI$1,663

Closing Costs — Salisbury, MD

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

$
%
Maryland: Avg closing costs 2.5% of price. Transfer tax: 1.5%.
Estimated Closing Costs
$12,797
5.0% of purchase price
Lender Fees
$2,261
origination, underwriting
Third-Party
$2,725
appraisal, title, inspection
Government Fees
$3,825
transfer taxes, recording
Prepaids + Escrow
$3,986
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,836
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,575
Recording Fee$150
Transfer Tax$3,825
Prepaid Taxes (3 mo)$695
Prepaid Insurance (12 mo)$1,700
Prepaid Interest (15 days)$613
Escrow Reserves$978
Total Closing Costs$12,797

Buying a Home in Salisbury, Maryland

The median home price in Salisbury is $255,000, 39% below the Maryland state median of $420,000. With a population of 33,618, Salisbury 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 $255,000 home in Salisbury would carry roughly $232/month in property taxes. Homeowners insurance in Maryland runs approximately $1,700 per year. This is within the normal range nationally.

Average rent in Salisbury is $1,180/month. The price-to-rent ratio in Salisbury is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Salisbury presents moderate affordability. The $255K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

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