Cambridge, MD Housing Market
AI-powered market intelligence for the Cambridge, MD metro area.
PropertyIQ Scores
Cambridge, MD Market Analysis
Market Overview
Cambridge, MD’s housing market shows a weak signal, with a PropertyIQ Score of 11 out of 100. The median home value is $272,225, well below the Maryland state average of $433,112. However, the median household income is $60,495, compared with $101,652 statewide, so local buying power is limited despite lower home prices. This combination of lower prices and lower incomes means the market’s affordability advantage is smaller than it first appears.
The score is driven by mixed but mostly soft momentum indicators. Home value momentum over 12 months is 2.49%, but the 3-month momentum is -2.42%, showing recent price cooling. Median days on market is 72, and 18.8% of listings have a price cut, signaling a slower sales environment. Cambridge has 243 homes for sale, and the year-over-year median home value change is only $5, essentially flat. No population growth data is available.
Rent data shows relative strength: the rent index is $1,760, above the state average of $1,662. The unemployment rate is 4.3%, matching the state average. Overall, Cambridge presents a weak for-sale market picture with some relative rental strength.
Key Trends
First, price momentum is cooling. The 12-month home value momentum of 2.49% is modest, but the 3-month figure of -2.42% and the year-over-year change of just $5 indicate that prices have stalled or begun to dip.
Second, the sales environment is slow. Median days on market is 72, and 18.8% of listings have had price cuts. With 243 homes for sale, buyers have choices and sellers face competition.
Third, affordability is mixed. Cambridge’s median home value of $272,225 is about 37% below the state median of $433,112, but median household income of $60,495 is about 40% below the state median of $101,652. The local income gap offsets much of the price benefit.
Fourth, rental performance is comparatively strong. The rent index of $1,760 is $98 above the state average of $1,662. This is notable because home values are far below state averages while rents are not, suggesting rental demand is holding up better than for-sale demand.
Who Is This Market For
First-time buyers seeking a lower purchase price may be drawn to Cambridge because the median home value of $272,225 is well below the state average of $433,112. However, with local median household income at $60,495, affordability remains a hurdle, and buyers should expect slow price growth and possible price cuts.
Rental-focused investors may find the rent index of $1,760 above the state average of $1,662 appealing, especially with lower home prices. But the PropertyIQ Score of 11, negative 3-month momentum of -2.42%, and slow sales conditions suggest limited near-term appreciation and potentially slow exits.
Move-up buyers or those seeking quick equity are less suited to this market. A flat year-over-year change of $5, elevated days on market, and common price cuts make it a challenging environment for sellers.
Outlook
The near-term outlook is cautious. The 3-month home value momentum of -2.42% contrasts with the 12-month momentum of 2.49%, and the year-over-year change of $5 suggests home values are stalling or softening. Median days on market of 72 and an 18.8% price cut rate indicate that demand is not absorbing inventory quickly. The rent index of $1,760 above the state average could support rental property demand, but missing population growth data and the low PropertyIQ Score of 11 leave little evidence for a strong rebound. Overall, the data points to a slow, buyer-friendly market with more downward than upward pressure on home prices in the short term.
AI-generated analysis based on current market data. Last updated August 19, 2026.
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Cambridge, MD market data
Cambridge, MD Housing Market Overview
Cambridge, MD's median home value is $272K, up 2.5% over the past year. Homes here sell in a median 72 days. Its PropertyIQ Score of 11 sits below the state average of 50, marking a market positioned to lag its state over the next three years.
PropertyIQ tracks the Cambridge, MD housing market through two complementary lenses: price momentum from Zillow home-value trends over 3 and 12 months, and demand pressure from how quickly homes sell and how often sellers cut prices, drawn from Realtor.com. The PropertyIQ Score distills these into one number that predicts how this MD market is set to perform against its state benchmark.
The South Atlantic region continues to attract domestic migration with its combination of job growth, favorable tax environments, and year-round climate. Markets range from rapidly appreciating tech corridors to established retirement destinations with strong rental demand. Within the South Atlantic, Cambridge, MD's PropertyIQ Score of 11 runs below the South Atlantic norm.
Each month, PropertyIQ updates its score for Cambridge, MD using four inputs: Zillow ZHVI twelve-month and three-month momentum, Realtor.com median days on market, and the Realtor.com share of listings with price cuts. These four signals are combined into a single 1 to 99 score computed across all metro markets and calibrated so 50 represents the state average, making it a direct read of how this market is positioned to perform relative to its state. Momentum here has been positive, with home values up 2.5% over the past year.
View Cambridge, MD's complete market profile including historical price trends, score history, and AI-generated analysis. Compare this market against any other US metro to find the best opportunities for your investment strategy.
Counties in the Cambridge, MD metro area
ZIP codes in the Cambridge, MD metro area
View all 16 →Market data through July 2026. Sourced from Zillow, Realtor.com, Redfin, U.S. Census Bureau, FRED, BLS, and BEA. Per-statistic source and date shown above.
Frequently Asked Questions
Is Cambridge, MD a good place to buy real estate in 2026?
PropertyIQ doesn't label markets simply good or bad. Instead, the PropertyIQ Score measures a market's demand momentum against its own state, where 50 marks the state average. Cambridge, MD currently scores 11, a very weak-momentum reading that leaves it positioned to lag its state over the next three years. For buyers, cooling demand usually brings more inventory, longer sale times, and real leverage to negotiate on price. Backing that up, the median home value here is $272K, up 2.5% over the past year. So whether Cambridge, MD is right for you comes down to your goals: a rising-momentum market can favor long-term appreciation but offers less room to negotiate, while a cooling one hands buyers more leverage. Treat the score as a timing signal to weigh alongside your budget, holding period, and plans for the property, not a verdict on the market's quality.
What is the PropertyIQ Score for Cambridge, MD?
Cambridge, MD's PropertyIQ Score is 11, indicating very weak momentum on a 1-to-99 scale. The score distills four transparent inputs into a single number: Zillow home-value momentum over the past 12 months, Zillow home-value momentum over the past 3 months, the median days homes spend on the market from Realtor.com, and the share of listings with a price cut, also from Realtor.com. Rising values and faster sales push the score up, while slow sales and frequent price cuts pull it down. The scale is calibrated so 50 equals the state average, meaning a score above 50 predicts the market will outperform its state over the next three years and a score below 50 predicts underperformance. PropertyIQ computes the score across every US market nationally, then recenters it against each state, so 11 places Cambridge, MD below its state benchmark.
Are home prices in Cambridge, MD rising or falling?
Home prices in Cambridge, MD are rising. Over the past year, the median home value increased 2.5%, reaching $272K. Over the latest three months, values slipped 2.4%, a sign near-term demand is softening. PropertyIQ derives these figures from Zillow's home-value index, which tracks the typical value across the market rather than only the homes that happened to sell, giving a steadier read than a raw median sale price. Both the 12-month and 3-month momentum readings feed directly into the PropertyIQ Score, so this price trend is one of the core signals behind Cambridge, MD's current score. Keep in mind that appreciation can vary widely by neighborhood and price tier across the metro area, so treat these figures as the market-wide baseline rather than a guarantee for any single property.
How quickly do homes sell in Cambridge, MD?
In Cambridge, MD, homes sell in a median of 72 days from listing to pending sale, based on Realtor.com market data. Median days on market is one of the clearest real-time reads on local demand: when homes move quickly, buyers are competing and sellers hold the advantage, while lengthening timelines signal cooling interest and more room to negotiate. Alongside sale speed, about 19% of active listings here have taken at least one price cut — a complementary demand gauge, since a rising share of reductions often precedes slower sales and softer prices. Both median days on market and the price-cut share feed directly into the PropertyIQ Score, where faster sales and fewer cuts push the score higher. As a general guide, medians under about 30 days indicate a brisk, competitive market, while medians well beyond 60 days point to buyers regaining leverage. Actual time on market still varies by price band, property type, and season, so treat the median as a market-wide baseline.
How current is this metro area data?
This Cambridge, MD market data is refreshed on a monthly cycle, with the latest figures current through July 2026. PropertyIQ ingests fresh data every month from a range of authoritative sources: home values and rents from Zillow, days on market and price-cut activity from Realtor.com, additional housing signals from Redfin, demographic and housing-stock data from the U.S. Census Bureau, mortgage and macroeconomic series from FRED, and employment figures from the Bureau of Labor Statistics and the Bureau of Economic Analysis. The PropertyIQ Score itself is recomputed every month once the new source data lands, so the score and its four underlying inputs always reflect the most recent complete reporting period rather than a static snapshot. Because official housing data is typically released with a short lag, the current-through date usually trails the present by a few weeks, which is normal across the industry and not a sign the data is out of date.