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Market MapMarylandCecil

Cecil County

MarylandPopulation: 103,876
58
/100
Hold
#382 of 1,000 counties
#9 in Maryland (24 counties)

Market Snapshot

$371,113
Median Home Price
59% above national median
$1,814/mo
Median Rent
20% above national median
5.87%
Rent-to-Price Ratio
Top 52% nationally
-$766
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$371,113
Down Payment (20%)$74,223
Loan Amount$296,890
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,814
Monthly P&I-$1,945
Est. Expenses (35%)-$635
Net Cash Flow-$766/mo
3.8%
Cap Rate (all cash)
-10.8%
Cash-on-Cash Return
5.87%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.8% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
58/100
58
Cash Flow(30%)
58/100

Based on 5.87% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
59/100

Based on 0.9% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
66/100

Price-to-income ratio of 4.3x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Complete rent data available

Challenges

  • -Negative cash flow at typical financing (-$766/mo)
  • -Negative leverage (cap rate 3.8% < mortgage rate 6.9%)

Economic Indicators

Population
103,876
Median Income
$86,869
vs $57,018 national est.
Unemployment Rate
—
Data pending
Price-to-Income
4.3x
Moderately affordable

Compare to Nearby Counties

CountyVerdict
CurrentCecilMD
58$371,113$1,8145.87%Hold
WashingtonMD
58$322,291$1,3374.98%HoldView
Anne ArundelMD
57$494,258$2,2745.52%HoldView
HarfordMD
57$407,163$1,7675.21%HoldView
CarolineMD
56$326,238Est. pending—HoldView
DorchesterMD
56$267,702Est. pending—HoldView

The Bottom Line

HoldCecil is a neutral market. Consider house hacking or targeting below-market deals.

Cecil County in Maryland scores 58/100, ranking #382 of 1,000 US counties (top 50%). The 5.87% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-766/mo
Cap Rate
3.8%
Cash-on-Cash
-10.8%

Ready to Analyze a Deal in Cecil?

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