Charlotte Hall: Housing & Real Estate
Homes in Charlotte Hall carry a median value of $367,800 (estimated market value runs 11% higher at $407,336), with median rent $943 (1.7× below St. Mary's County median $1,595; 1.7× below Maryland median $1,612). Homeownership rate: 58.9%. That's about the same as the St. Mary's County median ($376,900); 1.1× below the Maryland median ($392,037). Market is warm. Vacancy rate 9.6%. New construction makes up 2.7% of stock. 2 nursing facilities on file. A municipal building code is in effect.
- 4.4× annual income — home value vs. household income (vs Maryland 3.8×).
- 32.5 years to break even renting at the median (vs Maryland 20y).
- 4-BR rent is 2.1× a studio — rent gradient by unit size.
- Median rent 48% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $367,800 — 0.9× the Maryland median ($392,037). Median rent $943/month. homeownership rate 58.9% — below the U.S. share of ~65%.
| Affordability · Home Price To Income | 4.4× |
|---|---|
| Affordability · Home Affordability | moderate |
| Affordability · Rent Pct Income | 26.1% |
| Affordability · Rent Affordability | moderate |
| Affordability · Pct Severely Rent Burdened | 36.0% |
| Affordability · Poverty Rate | 20.3% |
| Affordability · Property Tax Pct Income | 3.2% |
| Fair Market Rent · Studio rent | $1,394 |
| Fair Market Rent · One-bedroom rent | $1,672 |
| Fair Market Rent · Two-bedroom rent | $1,833 |
| Fair Market Rent · Three-bedroom rent | $2,264 |
| Fair Market Rent · Four-bedroom rent | $2,889 |
| Fair Market Rent · HUD FMR area | St. Mary's County, MD HUD Metro FMR Area |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $407,336 |
| Median Home Value | $367,800 (vs Maryland $392,037) |
| Median Rent | $943 (vs Maryland $1,612) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | warm |
|---|---|
| Housing Market · Vacancy rate | 9.6% |
| Housing Market · New construction (% of stock) | 2.7% |
| Housing Market · Price Appreciation 2Yr | 4.5% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (1)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 72.1% |
| Broadband · Broadband-capable premises | 555 |
| Electricity · Electricity rate (¢/kWh) | 17.86¢/kWh |
| Electricity · Customers | 2,451,753 |
| Electricity · Revenue Millions | $4,880 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0% |
| Mobile Broadband · 4G mobile coverage | 100% |
| Mobile Broadband · 5G mobile coverage | 98% |
| Mobile Home Parks Detail · County total | 7 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Charging & Mobility
| Ev Charging · Stations | 2 |
|---|---|
| Ev Charging · Public Stations | 2 |
| Ev Charging · Dc Fast Ports | 9 |
Sources: DOE AFDC API
Other
| Homeownership Rate | 58.9% |
|---|---|
| Median Year Built | 1970 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12