Charlotte Hall, a quiet census-designated place (CDP) straddling Charles and St. Mary’s Counties, Maryland, offers a unique blend of rural charm, historic character, and evolving real estate dynamics. With a modest population of approximately 1,420 as of the 2010 census, it retains a small‑town atmosphere while serving as a gateway to nearby growth corridors (en.wikipedia.org). From appreciating property values to shifting market competition, here’s a deep dive into what’s happening in Charlotte Hall’s housing market.
Market Snapshot: Prices & Trends
Rapid Price Growth and Variability
- Redfin reports that as of July 2025, the median sale price of a home in Charlotte Hall surged to $850,000, up 111.4% year-over-year, with a price per square foot of $293, marking a 45% increase from the prior year (redfin.com).
- Realtor.com presents a slightly different angle: a median listing price of $667,000 in July 2025, showing a modest –3.3% year-over‑year change (realtor.com).
- Zillow offers another perspective, citing an average home value of $492,201 through June 2025—a 2.3% increase over the past year (zillow.com).
Balanced Perspective with Property Focus
- Property Focus indicates 49 residential properties sold in the past 12 months, with a median sale price of $438,000 and an automated valuation model (AVM) median of $489,000 (propertyfocus.com).
These discrepancies reflect variances in data sources, sample sizes, and market segments, but they collectively point to a real market upward trend with pockets of volatility.
Market Dynamics: Competition & Speed
- According to Redfin, Charlotte Hall’s market is “somewhat competitive”: homes sell in an average of 52.5 days, and sales are around 2% below list price (redfin.com).
- Contrastingly, Movoto reports that in June 2025, homes sold after only 34 days on market, compared to 79 days in the prior year—suggesting a market picking up steam (movoto.com).
Thus, demand appears to be strengthening, though competition remains more moderate than in nearby hotspots.
Market Typology & Property Composition
NeighborhoodScout reports that Charlotte Hall consists of 322 housing units (as of Q4 2024), with single-family detached homes making up 94.4% of them (relocationcoordinates.neighborhoodscout.com). The median home value stands at $389,500, and long-term appreciation over 10 years trails the national rate—just 3.22% annually, with only 3.94% growth over the past year and quarter-over-quarter growth of 0.15% (relocationcoordinates.neighborhoodscout.com).
This underscores that while Charlotte Hall is appreciating, it’s doing so gradually, perhaps reflecting its rural character and limited inventory.
Market Depth: Listings, Inventory & Property Distress
- Zillow lists about 16 active homes for sale in Charlotte Hall, with prices ranging from around $350,000 for compact properties to over $1.2 million for luxury estates (zillow.com).
- Movoto adds context with 19 active listings, 1 new listing, and 15 homes sold in June 2025—signaling reasonable turnover (movoto.com).
- Property Focus underscores market stability: 47 home sales in 12 months, 58.5% of homes with high equity, only 5 pre-foreclosures, and 15 involuntary liens detected (propertyfocus.com).
These metrics show a relatively healthy market, with minimal distress and stable equity positions.
Broader Considerations: Location, Accessibility & Community
Charlotte Hall’s geography and amenities add to its appeal:
- The Charlotte Hall Historic District, featuring Colonial Revival, Gothic, and Federal architecture, enhances the area’s charm and heritage value (en.wikipedia.org).
- Connectivity is supported by Maryland Transit Route 903, offering weekday commuter access from Charlotte Hall to Washington, D.C., via Waldorf and Suitland (en.wikipedia.org).
- The Three Notch Trail, a shared-use hiking and biking corridor terminating in Charlotte Hall, offers recreational access and quality-of-life benefits (en.wikipedia.org).
These features make Charlotte Hall appealing to buyers seeking rural tranquility with commuting convenience and lifestyle amenities.
Affordability & Cost of Living Metrics
According to a local cost-of-living analysis:
- Average home prices range from $400,000 to $600,000, with an overall average near $460,000 (livinginmaryland.com).
- Monthly rent for single-family homes spans $2,200 to $2,700, while two-bedroom apartments average $1,700 (livinginmaryland.com).
- Property tax rates hover around 1.06% of assessed value, with incomes of $70,000 to $100,000 per household recommended for comfortable living here (livinginmaryland.com).
- The typical commute time to major areas like Waldorf, Annapolis, or Washington, D.C., ranges between 35 to 50 minutes (livinginmaryland.com).
These data suggest that Charlotte Hall offers mid-tier affordability and moderate commuting distances—fair value, especially compared to pricier nearby urban centers.
Final Analysis & Outlook
| Factor | Insight |
|---|---|
| Price Trends | Rapid increases in some metrics, moderate in others. Median sale price near $850K (Redfin) vs. average value around $492K (Zillow). |
| Market Competition | Moderate; homes sell in 34–52 days. |
| Inventory | Low—16–19 active listings; turnover of ~15–49 homes/year. |
| Property Composition | Dominated by single-family homes; minimal multi-family or aging stock. |
| Appreciation | Gradual long-term growth; 3–4% annually. |
| Amenities | Historic district, commuter access, trail access enhance appeal. |
| Affordability | Range from $400K–600K; property taxes and commuting reasonable. |
In summary, Charlotte Hall is positioned as a stable, moderately appreciating market. Its rural charm and historic feel, combined with commuter access and lifestyle perks, attract a niche of buyers, particularly families and those seeking peaceful living within reach of urban centers.
If you needs to sell a house in Charlotte Hall, leveraging a service tailored for fast sales could be strategic—especially in a market with limited and selective inventory. You can explore options here: needs to sell a houes in Charlotte Hall.
Tips for Sellers in Charlotte Hall
- Stage for Appeal: Highlight the historic and rural character. Curb appeal and updates can make a big difference.
- Price Smart: List competitively—Redfin shows homes often sell slightly under list, but hot listings can move quickly (redfin.com, movoto.com).
- Highlight Connectivity & Amenities: Promote access to transit, trail systems, and historic charm.
- Leverage Fast-Sell Options: For sellers seeking speed over maximum price, services like Simple Home Buyers may align well with market demand.
- Consult Local Agents: The tight inventory and varied data suggest that local expertise matters—agents can tailor pricing and marketing strategies to real-time dynamics.
Charlotte Hall’s real estate landscape is nuanced and evolving. Whether you’re analyzing for investment, selling, or staying informed, understanding these data-driven trends will help you navigate its market confidently.