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2021 s Top First-Time Homebuyer Programs in Maryland © (Getty Images) Dad is making a record of all the family s earnings and spending. You ve saved up for a home for years, but even with low mortgage rates, you worry about affording both the down payment and the monthly costs that come with homeownership. If you live in Maryland – where the homeownership rate is 67%, according to the U.S. Census Bureau – know that owning a home in the state isn t cheap. The median home value of owner-occupied homes was $332,500 in 2019, according to the U.S. Census Bureau s 2019 American Community Survey, compared to the national median of $240,500.

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