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Market MapMarylandSomerset

Somerset County

MarylandPopulation: 24,672
64
/100
Buy
#231 of 1,000 counties
#5 in Maryland (24 counties)
Analysis by RentalCalcs Research·Independent data + algorithm-driven scoring
Updated January 1, 2026Sources: Zillow ZHVI, Zillow ZORI, US Census ACS, Tax Foundation

Market Snapshot

$200,242
Median Home Price
14% below national median
$11,890/mo
Est. Rent
Based on regional data
5.94%
Rent-to-Price Ratio
Estimated from price data
+$0
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Score Breakdown

Overall Investment Score
64/100
64
Cash Flow(30%)
0/100

Rent data not available for cash flow calculation.

Appreciation(25%)
67/100

Based on 1.8% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
72/100

Price-to-income ratio of 3.8x. 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

  • +Affordable relative to local incomes

Challenges

  • -Negative leverage (cap rate 0.0% < mortgage rate 6.9%)
  • -Limited rent data (estimates used)

Economic Indicators

Population
24,672
Median Income
$52,149
vs $57,059 national est.
Unemployment Rate
—
Data pending
Price-to-Income
3.8x
Moderately affordable

Who this market fits

Skip if
  • −You can't tolerate negative leverage (cap rate below mortgage rate today)

Compare to Nearby Counties

CountyVerdict
CalvertMD
65$471,515$2,5326.44%BuyView
WicomicoMD
65$268,903$1,6717.46%BuyView
CurrentSomersetMD
64$200,242Est. pending—Buy
BaltimoreMD
61$352,651$1,7295.88%BuyView
CharlesMD
61$445,712$2,5606.89%BuyView
Saint MarysMD
61$420,459$1,8945.41%BuyView

The Bottom Line

BuySomerset offers solid investment potential with positive cash flow at typical financing.

Somerset County in Maryland scores 64/100, ranking #231 of 1,000 US counties (top 30%). At 20% down and current rates, a median-priced rental roughly breaks even on cash flow. The deal works on appreciation or with better terms, not on month-one cash flow.

Monthly Cash Flow
+$0/mo
Cap Rate
0.0%
Cash-on-Cash
0.0%

Related markets

Markets like Somerset with stronger cash flow

  • Wicomico County for cash-flow rentals
  • Charles County for cash-flow rentals
  • Calvert County for cash-flow rentals

Head-to-head comparisons

  • Somerset vs Calvert for rentals
  • Somerset vs Wicomico for rentals
  • Somerset vs Baltimore for rentals
All counties in Maryland →

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