Cambridge Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Cambridge averaged
7.21%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.47% and
one month ago for the week of 2026-10-01, the
average rate was 7.31%.
Cambridge's average rate one year ago was 6.5%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.48%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Cambridge 30 Year Fixed Rate | 2026-11-05 | 7.21% |
| Cambridge 30 Year Fixed Rate Refi | 2026-11-05 | 7.48% |
| Cambridge 15 Year Fixed Rate | 2026-11-05 | 6.47% |
| Cambridge 15 Year Fixed Rate Refi | 2026-11-05 | 6.67% |
| Cambridge 30 Year FHA | 2026-11-05 | 6.9% |
| Cambridge 30 Year FHA Refi | 2026-11-05 | 7.03% |
| Cambridge 30 Year USDA | 2026-11-05 | 6.8% |
| Cambridge 30 Year USDA Refi | 2026-11-05 | 6.8% |
| Cambridge 30 Year VA | 2026-11-05 | 6.86% |
| Cambridge 30 Year VA Refi | 2026-11-05 | 6.96% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Cambridge, MD.
Cambridge Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Cambridge, MD market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Cambridge Average Closing Costs & Other Stats
Cambridge, MD's 74 lenders originated 779
loans during 2025. The total origination value was $194,005,000, with an average loan value of
$249,044.
Cambridge's average closing costs are $6,661.
The top Cambridge lender as defined by loan originations is EAGLE HOME MORTGAGE, LLC, with
28 loans originated. Their average total fees are
$6,187, which is $1,340
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Cambridge lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC ($6,187), BAY CAPITAL MORTGAGE CORPORATION ($6,333), NFM, INC. ($6,358), QUICKEN LOANS, LLC ($7,528) and UNITED WHOLESALE MORTGAGE, LLC ($7,716).
The lowest rate Cambridge lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (6.32%), UNITED WHOLESALE MORTGAGE, LLC (6.63%), BAY CAPITAL MORTGAGE CORPORATION (6.64%), QUICKEN LOANS, LLC (6.65%) and FIRST HOME MORTGAGE CORPORATION (6.71%).
Cambridge, MD Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $14,605,000 | $16,475,000 | 12.8% | 8.5% |
| EAGLE HOME MORTGAGE, LLC | $11,205,000 | n/a | 5.8% | |
| UNITED WHOLESALE MORTGAGE, LLC | $7,540,000 | $10,910,000 | 44.7% | 5.6% |
| FIRST HOME MORTGAGE CORPORATION | $9,085,000 | $10,055,000 | 10.7% | 5.2% |
| NFM, INC. | $7,655,000 | $7,290,000 | -4.8% | 3.8% |
| FREEDOM MORTGAGE CORPORATION | $5,870,000 | $5,330,000 | -9.2% | 2.7% |
| BAY CAPITAL MORTGAGE CORPORATION | $6,020,000 | $5,260,000 | -12.6% | 2.7% |
| Truist | $5,290,000 | $5,015,000 | -5.2% | 2.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,765,000 | $4,480,000 | 153.8% | 2.3% |
| CMG MORTGAGE, INC. | $2,175,000 | $4,180,000 | 92.2% | 2.2% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | $3,085,000 | $4,110,000 | 33.2% | 2.1% |
| PENNYMAC LOAN SERVICES, LLC | $2,390,000 | $4,030,000 | 68.6% | 2.1% |
| The Queenstown Bank of Maryland | $2,500,000 | $3,835,000 | 53.4% | 2.0% |
| EMM LOANS LLC | $1,705,000 | $3,495,000 | 105.0% | 1.8% |
| Hebron Savings Bank | $700,000 | $3,385,000 | 383.6% | 1.7% |
| M&T Bank | $3,075,000 | $3,295,000 | 7.2% | 1.7% |
| Shore United Bank | $3,795,000 | $3,125,000 | -17.7% | 1.6% |
| DIRECT MORTGAGE LOANS, LLC | $1,395,000 | $3,100,000 | 122.2% | 1.6% |
| NAVY FEDERAL CREDIT UNION | $2,020,000 | $2,765,000 | 36.9% | 1.4% |
| GUARANTEED RATE, INC. | $2,060,000 | $2,750,000 | 33.5% | 1.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,700,000 | $2,670,000 | 57.1% | 1.4% |
| MOVEMENT MORTGAGE, LLC | $4,825,000 | $2,515,000 | -47.9% | 1.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,150,000 | $2,450,000 | 113.0% | 1.3% |
| Prosperity Home Mortgage, LLC | $1,730,000 | $2,425,000 | 40.2% | 1.2% |
| TIDEWATER MORTGAGE SERVICES, INC. | $2,260,000 | $2,310,000 | 2.2% | 1.2% |
| Meridian Bank Corporation | $3,070,000 | $2,110,000 | -31.3% | 1.1% |
| Mortgage Research Center, LLC | $2,775,000 | $1,935,000 | -30.3% | 1.0% |
| Towne Bank | $1,460,000 | $1,875,000 | 28.4% | 1.0% |
| BayVanguard Bank | $825,000 | $1,850,000 | 124.2% | 1.0% |
| Bank of America | $2,515,000 | $1,640,000 | -34.8% | 0.8% |
| EMBRACE HOME LOANS, INC. | $1,785,000 | $1,635,000 | -8.4% | 0.8% |
| LOANDEPOT.COM, LLC | $1,430,000 | $1,635,000 | 14.3% | 0.8% |
| ORIX REAL ESTATE CAPITAL, LLC | $1,505,000 | n/a | 0.8% | |
| 1ST FINANCIAL, INC. | $1,095,000 | $1,415,000 | 29.2% | 0.7% |
| Keystone Funding, Inc. | $500,000 | $1,415,000 | 183.0% | 0.7% |
| JPMorgan Chase Bank | $1,810,000 | $1,380,000 | -23.8% | 0.7% |
| NEWREZ LLC | $340,000 | $1,375,000 | 304.4% | 0.7% |
| PNC Bank | $525,000 | $1,360,000 | 159.0% | 0.7% |
| VILLAGE CAPITAL MORTGAGE | $895,000 | $1,350,000 | 50.8% | 0.7% |
| First Shore Federal Savings and Loan Association | $1,090,000 | $1,310,000 | 20.2% | 0.7% |
| Morgan Stanley Private Bank | $1,280,000 | n/a | 0.7% | |
| UNION HOME MORTGAGE CORP. | $385,000 | $1,130,000 | 193.5% | 0.6% |
| Fulton Bank | $805,000 | $1,075,000 | 33.5% | 0.6% |
| RADIUS FINANCIAL GROUP INC. | $1,465,000 | $1,010,000 | -31.1% | 0.5% |
| Fifth Third Bank | $995,000 | n/a | 0.5% | |
| FM Home Loans, LLC | $935,000 | n/a | 0.5% | |
| AMERISAVE MORTGAGE CORPORATION | $175,000 | $895,000 | 411.4% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $35,000 | $885,000 | 2,428.6% | 0.5% |
| Citizens Bank | $475,000 | $845,000 | 77.9% | 0.4% |
| ENVOY MORTGAGE, LTD | $4,005,000 | $825,000 | -79.4% | 0.4% |
| The Loan Store, Inc. | $395,000 | $825,000 | 108.9% | 0.4% |
| OCMBC, INC. | $1,465,000 | $805,000 | -45.1% | 0.4% |
| A&D Mortgage LLC | $800,000 | n/a | 0.4% | |
| The Ephrata National Bank | $785,000 | n/a | 0.4% | |
| BAYSHORE MORTGAGE FUNDING, LLC | $225,000 | $765,000 | 240.0% | 0.4% |
| LENDINGHOME FUNDING CORPORATION | $405,000 | $765,000 | 88.9% | 0.4% |
| MidAtlantic Farm Credit, ACA | $1,470,000 | $745,000 | -49.3% | 0.4% |
| Presidential Bank, FSB | $325,000 | $745,000 | 129.2% | 0.4% |
| GUILD MORTGAGE COMPANY | $1,145,000 | $730,000 | -36.2% | 0.4% |
| BROKER SOLUTIONS, INC. | $200,000 | $710,000 | 255.0% | 0.4% |
| Burke & Herbert Bank & Trust Company | $95,000 | $700,000 | 636.8% | 0.4% |
| CARDINAL FINANCIAL | $205,000 | $660,000 | 222.0% | 0.3% |
| WesBanco | $1,180,000 | $650,000 | -44.9% | 0.3% |
| The Farmers Bank of Willards | $645,000 | n/a | 0.3% | |
| BETTER MORTGAGE CORPORATION | $630,000 | n/a | 0.3% | |
| Wells Fargo Bank | $675,000 | $595,000 | -11.9% | 0.3% |
| ABSOLUTE HOME MORTGAGE CORPORATION | $570,000 | n/a | 0.3% | |
| First Heritage Mortgage, LLC | $430,000 | $570,000 | 32.6% | 0.3% |
| MID AMERICA MORTGAGE, INC. | $560,000 | n/a | 0.3% | |
| Calvin B. Taylor Banking Company of Berlin, Maryland | $525,000 | n/a | 0.3% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $525,000 | n/a | 0.3% | |
| NBKC BANK | $235,000 | $510,000 | 117.0% | 0.3% |
| Atlantic Coast Mortgage, LLC | $470,000 | n/a | 0.2% | |
| BAY EQUITY LLC | $115,000 | $445,000 | 287.0% | 0.2% |
| LOANPAL, LLC | $75,000 | $430,000 | 473.3% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,190,000 | $425,000 | -64.3% | 0.2% |
| CityWorth Mortgage LLC | $415,000 | n/a | 0.2% | |
| Nations Lending Corporation | $385,000 | $405,000 | 5.2% | 0.2% |
| Arundel Federal Savings Bank | $375,000 | n/a | 0.2% | |
| T2 FINANCIAL LLC | $375,000 | n/a | 0.2% | |
| AMERICAN FINANCIAL NETWORK, INC. | $245,000 | $370,000 | 51.0% | 0.2% |
| CLEARPATH LENDING | $300,000 | $365,000 | 21.7% | 0.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $735,000 | $365,000 | -50.3% | 0.2% |
| Farmers and Merchants Bank Of Fowblesburg, Maryland | $365,000 | n/a | 0.2% | |
| PLANET HOME LENDING, LLC | $365,000 | n/a | 0.2% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,445,000 | $365,000 | -85.1% | 0.2% |
| AMERICAN HERITAGE LENDING, INC. | $230,000 | $350,000 | 52.2% | 0.2% |
| Integrity Home Mortgage Corp | $345,000 | n/a | 0.2% | |
| TOWER | $385,000 | $345,000 | -10.4% | 0.2% |
| SPRING EQ, LLC | $520,000 | $325,000 | -37.5% | 0.2% |
| FIDELITY DIRECT MORTGAGE, LLC | $225,000 | $320,000 | 42.2% | 0.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | $305,000 | n/a | 0.2% | |
| Carrington Mortgage Services, LLC | $550,000 | $305,000 | -44.5% | 0.2% |
| Equity Prime Mortgage LLC | $225,000 | $305,000 | 35.6% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $520,000 | $300,000 | -42.3% | 0.2% |
| Advisors Mortgage Group, L.L.C. | $295,000 | n/a | 0.2% | |
| HOMESIDE FINANCIAL, LLC | $295,000 | n/a | 0.2% | |
| Capital Bank | $600,000 | $275,000 | -54.2% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $275,000 | n/a | 0.1% | |
| GUARANTEED RATE AFFINITY, LLC | $275,000 | $275,000 | 0.0% | 0.1% |
| TOTAL MORTGAGE SERVICES, LLC | $275,000 | n/a | 0.1% | |
| DAS Acquisition Company, LLC | $165,000 | $265,000 | 60.6% | 0.1% |
| Waterstone Mortgage Corporation | $440,000 | $265,000 | -39.8% | 0.1% |
| EDUCATIONAL SYSTEMS | $55,000 | $260,000 | 372.7% | 0.1% |
| The Gratz Bank | $255,000 | n/a | 0.1% | |
| FIRST FINANCIAL OF MARYLAND | $245,000 | n/a | 0.1% | |
| Freedom of Maryland Federal Credit Union | $245,000 | n/a | 0.1% | |
| RF Renovo Management Company, LLC | $185,000 | $235,000 | 27.0% | 0.1% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $225,000 | n/a | 0.1% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $125,000 | $225,000 | 80.0% | 0.1% |
| DATA MORTGAGE, INC. | $215,000 | n/a | 0.1% | |
| APL | $205,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $185,000 | n/a | 0.1% | |
| SWBC MORTGAGE CORPORATION | $405,000 | $185,000 | -54.3% | 0.1% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | $185,000 | n/a | 0.1% | |
| AMERITRUST MORTGAGE CORPORATION | $175,000 | n/a | 0.1% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $165,000 | n/a | 0.1% | |
| AMWEST FUNDING CORP. | $165,000 | n/a | 0.1% | |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $340,000 | $165,000 | -51.5% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $155,000 | n/a | 0.1% | |
| DEL-ONE FEDERAL CREDIT UNION | $150,000 | n/a | 0.1% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $135,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $195,000 | $135,000 | -30.8% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $295,000 | $135,000 | -54.2% | 0.1% |
| Axos Bank | $125,000 | n/a | 0.1% | |
| MidFirst Bank | $175,000 | $115,000 | -34.3% | 0.1% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | $45,000 | $105,000 | 133.3% | 0.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $105,000 | n/a | 0.1% | |
| Figure Lending LLC | $190,000 | $100,000 | -47.4% | 0.1% |
| CONSTRUCTIVE LOANS, LLC | $95,000 | n/a | 0.0% | |
| NATIONS DIRECT MORTGAGE, LLC | $85,000 | n/a | 0.0% | |
| U.S. Bank | $1,315,000 | $85,000 | -93.5% | 0.0% |
| MUNICIPAL EMPLOYEES CREDIT UNION OF BALTIMORE, INCORPORATED | $75,000 | n/a | 0.0% | |
| NASA Federal Credit Union | $75,000 | n/a | 0.0% | |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $65,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $195,000 | $55,000 | -71.8% | 0.0% |
| Coastal Community Bank | $55,000 | n/a | 0.0% | |
| Pinnacle Bank | $55,000 | n/a | 0.0% | |
| Peoples Bank | $45,000 | n/a | 0.0% | |
| SkyPoint Federal Credit Union | $45,000 | n/a | 0.0% | |
| PARTNERS 1ST Federal Credit Union | $410,000 | $40,000 | -90.2% | 0.0% |
| Dover Federal Credit Union | $35,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $75,000 | $25,000 | -66.7% | 0.0% |
Cambridge's top lender by overall market share is QUICKEN LOANS, LLC, with 8.5% market share. In second place, with 5.8%, is EAGLE HOME MORTGAGE, LLC, having originated $11,205,000 in loans. In third place, with 5.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $10,910,000 in loans. In fourth place, with 5.2%, is FIRST HOME MORTGAGE CORPORATION, having originated $10,055,000 in loans. In fifth place, with 3.8%, is NFM, INC., having originated $7,290,000 in loans.
Cambridge Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Cambridge (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $198,725 (14.9%) | $317,188 (25.8%) | 0.00 | 220 |
| 2018-02-01 | $197,425 (12.8%) | $317,628 (23.1%) | 0.00 | 227 |
| 2018-03-01 | $199,900 (7.4%) | $322,018 (24.9%) | 0.00 | 224 |
| 2018-04-01 | $205,000 (6.9%) | $298,122 (2.0%) | 0.00 | 233 |
| 2018-05-01 | $213,125 (10.6%) | $300,307 (3.5%) | 0.00 | 255 |
| 2018-06-01 | $219,900 (11.9%) | $305,691 (4.6%) | 0.00 | 263 |
| 2018-07-01 | $223,200 (11.6%) | $307,313 (5.5%) | 0.00 | 261 |
| 2018-08-01 | $222,375 (11.2%) | $305,011 (6.0%) | 0.00 | 265 |
| 2018-09-01 | $229,000 (4.6%) | $279,072 (-14.5%) | 0.00 | 255 |
| 2018-10-01 | $239,450 (8.3%) | $300,188 (-7.2%) | 0.00 | 246 |
| 2018-11-01 | $239,063 (19.5%) | $325,500 (4.8%) | 0.00 | 233 |
| 2018-12-01 | $225,000 (12.6%) | $327,229 (4.6%) | 0.00 | 221 |
| 2019-01-01 | $199,925 (0.6%) | $310,954 (-2.0%) | 0.00 | 202 |
| 2019-02-01 | $207,175 (4.9%) | $313,085 (-1.4%) | 0.00 | 212 |
| 2019-03-01 | $202,086 (1.1%) | $306,970 (-4.7%) | 0.00 | 223 |
| 2019-04-01 | $207,450 (1.2%) | $300,148 (0.7%) | 0.00 | 242 |
| 2019-05-01 | $213,725 (0.3%) | $298,752 (-0.5%) | 0.00 | 251 |
| 2019-06-01 | $229,000 (4.1%) | $304,824 (-0.3%) | 0.00 | 248 |
| 2019-07-01 | $229,000 (2.6%) | $307,841 (0.2%) | 0.00 | 249 |
| 2019-08-01 | $236,927 (6.5%) | $308,385 (1.1%) | 0.00 | 236 |
| 2019-09-01 | $232,468 (1.5%) | $308,188 (10.4%) | 0.00 | 228 |
| 2019-10-01 | $226,975 (-5.2%) | $308,056 (2.6%) | 0.00 | 224 |
| 2019-11-01 | $235,500 (-1.5%) | $330,580 (1.6%) | 0.00 | 219 |
| 2019-12-01 | $223,000 (-0.9%) | $325,083 (-0.7%) | 0.00 | 205 |
| 2020-01-01 | $216,000 (8.0%) | $321,987 (3.6%) | 0.00 | 193 |
| 2020-02-01 | $220,000 (6.2%) | $321,593 (2.7%) | 0.00 | 186 |
| 2020-03-01 | $231,175 (14.4%) | $323,436 (5.4%) | 0.00 | 201 |
| 2020-04-01 | $224,900 (8.4%) | $308,739 (2.9%) | 0.00 | 193 |
| 2020-05-01 | $224,900 (5.2%) | $308,558 (3.3%) | 0.00 | 185 |
| 2020-06-01 | $229,900 (0.4%) | $323,327 (6.1%) | 0.00 | 168 |
| 2020-07-01 | $239,000 (4.4%) | $331,669 (7.7%) | 0.00 | 144 |
| 2020-08-01 | $232,250 (-2.0%) | $303,353 (-1.6%) | 0.00 | 141 |
| 2020-09-01 | $207,175 (-10.9%) | $294,984 (-4.3%) | 0.00 | 137 |
| 2020-10-01 | $241,000 (6.2%) | $408,997 (32.8%) | 0.00 | 136 |
| 2020-11-01 | $236,495 (0.4%) | $429,458 (29.9%) | 0.00 | 132 |
| 2020-12-01 | $225,000 (0.9%) | $456,950 (40.6%) | 0.00 | 106 |
| 2021-01-01 | $237,990 (10.2%) | $477,988 (48.5%) | 0.00 | 91 |
| 2021-02-01 | $249,000 (13.2%) | $511,079 (58.9%) | 0.00 | 86 |
| 2021-03-01 | $247,400 (7.0%) | $555,486 (71.8%) | 0.00 | 75 |
| 2021-04-01 | $269,245 (19.7%) | $572,563 (85.5%) | 0.00 | 69 |
| 2021-05-01 | $302,495 (34.5%) | $584,024 (89.3%) | 0.00 | 82 |
| 2021-06-01 | $301,175 (31.0%) | $591,931 (83.1%) | 0.00 | 91 |
| 2021-07-01 | $289,900 (21.3%) | $527,060 (58.9%) | 0.00 | 113 |
| 2021-08-01 | $287,749 (23.9%) | $461,459 (52.1%) | 0.00 | 111 |
| 2021-09-01 | $299,800 (44.7%) | $476,342 (61.5%) | 0.00 | 111 |
| 2021-10-01 | $299,900 (24.4%) | $358,503 (-12.4%) | 0.00 | 110 |
| 2021-11-01 | $286,945 (21.3%) | $373,144 (-13.1%) | 0.00 | 115 |
| 2021-12-01 | $292,875 (30.2%) | $360,323 (-21.2%) | 0.00 | 110 |
| 2022-01-01 | $299,000 (25.6%) | $359,368 (-24.8%) | 0.00 | 90 |
| 2022-02-01 | $293,995 (18.1%) | $336,017 (-34.3%) | 0.00 | 80 |
| 2022-03-01 | $286,225 (15.7%) | $331,858 (-40.3%) | 0.00 | 100 |
| 2022-04-01 | $275,000 (2.1%) | $323,218 (-43.6%) | 0.00 | 117 |
| 2022-05-01 | $292,000 (-3.5%) | $332,929 (-43.0%) | 0.00 | 128 |
| 2022-06-01 | $283,998 (-5.7%) | $327,337 (-44.7%) | 0.00 | 136 |
| 2022-07-01 | $285,000 (-1.7%) | $334,334 (-36.6%) | 0.00 | 140 |
| 2022-08-01 | $274,723 (-4.5%) | $339,991 (-26.3%) | 0.00 | 147 |
| 2022-09-01 | $278,745 (-7.0%) | $346,733 (-27.2%) | 0.00 | 134 |
| 2022-10-01 | $283,990 (-5.3%) | $410,293 (14.5%) | 0.00 | 126 |
| 2022-11-01 | $280,000 (-2.4%) | $365,246 (-2.1%) | 0.00 | 126 |
| 2022-12-01 | $268,495 (-8.3%) | $339,043 (-5.9%) | 0.00 | 127 |
| 2023-01-01 | $269,473 (-9.9%) | $362,851 (1.0%) | 0.00 | 119 |
| 2023-02-01 | $269,743 (-8.3%) | $355,320 (5.7%) | 0.00 | 121 |
| 2023-03-01 | $290,475 (1.5%) | $351,971 (6.1%) | 0.00 | 115 |
| 2023-04-01 | $279,000 (1.5%) | $382,358 (18.3%) | 0.00 | 100 |
| 2023-05-01 | $297,748 (2.0%) | $392,430 (17.9%) | 0.00 | 106 |
| 2023-06-01 | $277,995 (-2.1%) | $385,615 (17.8%) | 0.00 | 112 |
| 2023-07-01 | $275,000 (-3.5%) | $357,817 (7.0%) | 0.00 | 120 |
| 2023-08-01 | $277,500 (1.0%) | $388,181 (14.2%) | 0.00 | 117 |
| 2023-09-01 | $259,990 (-6.7%) | $335,263 (-3.3%) | 0.00 | 127 |
| 2023-10-01 | $273,495 (-3.7%) | $353,015 (-14.0%) | 0.00 | 132 |
| 2023-11-01 | $277,500 (-0.9%) | $348,740 (-4.5%) | 0.00 | 138 |
| 2023-12-01 | $280,000 (4.3%) | $341,607 (0.8%) | 0.00 | 136 |
| 2024-01-01 | $282,250 (4.7%) | $344,883 (-5.0%) | 0.00 | 124 |
| 2024-02-01 | $291,473 (8.1%) | $349,938 (-1.5%) | 0.00 | 119 |
| 2024-03-01 | $284,950 (-1.9%) | $356,043 (1.2%) | 0.00 | 124 |
| 2024-04-01 | $298,295 (6.9%) | $383,864 (0.4%) | 0.00 | 119 |
| 2024-05-01 | $299,495 (0.6%) | $396,641 (1.1%) | 0.00 | 133 |
| 2024-06-01 | $299,990 (7.9%) | $412,339 (6.9%) | 0.00 | 144 |
| 2024-07-01 | $306,000 (11.3%) | $386,714 (8.1%) | 0.00 | 144 |
| 2024-08-01 | $309,000 (11.4%) | $367,450 (-5.3%) | 0.00 | 136 |
| 2024-09-01 | $308,748 (18.8%) | $360,787 (7.6%) | 0.00 | 149 |
| 2024-10-01 | $304,720 (11.4%) | $365,586 (3.6%) | 0.00 | 156 |
| 2024-11-01 | $298,250 (7.5%) | $347,683 (-0.3%) | 0.00 | 159 |
| 2024-12-01 | $299,800 (7.1%) | $345,310 (1.1%) | 0.00 | 148 |
| 2025-01-01 | $289,000 (2.4%) | $329,881 (-4.4%) | 0.00 | 141 |
| 2025-02-01 | $297,319 (2.0%) | $333,096 (-4.8%) | 0.00 | 143 |
| 2025-03-01 | $297,000 (4.2%) | $342,487 (-3.8%) | 0.00 | 143 |
| 2025-04-01 | $313,695 (5.2%) | $388,921 (1.3%) | 0.00 | 166 |
| 2025-05-01 | $314,900 (5.1%) | $392,213 (-1.1%) | 0.00 | 180 |
| 2025-06-01 | $307,920 (2.6%) | $377,768 (-8.4%) | 0.00 | 224 |
| 2025-07-01 | $310,000 (1.3%) | $374,527 (-3.2%) | 0.00 | 227 |
| 2025-08-01 | $321,225 (4.0%) | $372,142 (1.3%) | 0.00 | 222 |
| 2025-09-01 | $339,675 (10.0%) | $384,339 (6.5%) | 0.00 | 226 |
| 2025-10-01 | $337,450 (10.7%) | $391,863 (7.2%) | 0.00 | 230 |
| 2025-11-01 | $332,450 (11.5%) | $378,268 (8.8%) | 0.00 | 209 |
| 2025-12-01 | $315,925 (5.4%) | $371,429 (7.6%) | 0.00 | 194 |
| 2026-01-01 | $315,000 (9.0%) | $405,987 (23.1%) | 0.00 | 184 |
| 2026-02-01 | $324,310 (9.1%) | $419,782 (26.0%) | 0.00 | 164 |
| 2026-03-01 | $316,250 (6.5%) | $408,438 (19.3%) | 0.00 | 184 |
| 2026-04-01 | $329,000 (4.9%) | $435,409 (12.0%) | 0.00 | 221 |
| 2026-05-01 | $329,000 (4.5%) | $431,788 (10.1%) | 0.00 | 240 |
| 2026-06-01 | $328,450 (6.7%) | $445,670 (18.0%) | 0.00 | 240 |
| 2026-07-01 | $325,000 (4.8%) | $442,403 (18.1%) | 0.00 | 243 |
| 2026-08-01 | $325,000 (1.2%) | $450,459 (21.0%) | 0.00 | 243 |
| 2026-09-01 | $329,000 (-3.1%) | $464,685 (20.9%) | 0.00 | 235 |
| 2026-10-01 | $330,000 (-2.2%) | $464,526 (18.5%) | 0.00 | 242 |
Cambridge's median listing price for 2026-10-01 was $330,000, a difference of
$-7,450
(-2.2%) versus the prior year and
$1,000 versus the prior month.
Cambridge's median listing price comes in at 0% of the national average.
Cambridge's average listing price for 2026-10-01 was $464,526, a difference of $72,663 (18.5%) versus the prior year and $-159 versus the prior month.
For the 2026-10-01 period, Cambridge had 242 MLS listings, a difference of 7 listings (3%) versus the prior month and 12 listings (5%) versus the prior year.
Cambridge's median listing price comes in at 0% of the national average.
Cambridge's average listing price for 2026-10-01 was $464,526, a difference of $72,663 (18.5%) versus the prior year and $-159 versus the prior month.
For the 2026-10-01 period, Cambridge had 242 MLS listings, a difference of 7 listings (3%) versus the prior month and 12 listings (5%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Cambridge (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,758 sqft |
| 2018-02-01 | 0 days | 1,700 sqft |
| 2018-03-01 | 0 days | 1,750 sqft |
| 2018-04-01 | 0 days | 1,746 sqft |
| 2018-05-01 | 0 days | 1,711 sqft |
| 2018-06-01 | 0 days | 1,696 sqft |
| 2018-07-01 | 0 days | 1,698 sqft |
| 2018-08-01 | 0 days | 1,679 sqft |
| 2018-09-01 | 0 days | 1,680 sqft |
| 2018-10-01 | 0 days | 1,767 sqft |
| 2018-11-01 | 0 days | 1,755 sqft |
| 2018-12-01 | 0 days | 1,792 sqft |
| 2019-01-01 | 0 days | 1,739 sqft |
| 2019-02-01 | 0 days | 1,746 sqft |
| 2019-03-01 | 0 days | 1,728 sqft |
| 2019-04-01 | 0 days | 1,715 sqft |
| 2019-05-01 | 0 days | 1,680 sqft |
| 2019-06-01 | 0 days | 1,713 sqft |
| 2019-07-01 | 0 days | 1,709 sqft |
| 2019-08-01 | 0 days | 1,728 sqft |
| 2019-09-01 | 0 days | 1,733 sqft |
| 2019-10-01 | 0 days | 1,732 sqft |
| 2019-11-01 | 0 days | 1,762 sqft |
| 2019-12-01 | 0 days | 1,718 sqft |
| 2020-01-01 | 0 days | 1,708 sqft |
| 2020-02-01 | 0 days | 1,720 sqft |
| 2020-03-01 | 0 days | 1,782 sqft |
| 2020-04-01 | 0 days | 1,739 sqft |
| 2020-05-01 | 0 days | 1,739 sqft |
| 2020-06-01 | 0 days | 1,734 sqft |
| 2020-07-01 | 0 days | 1,751 sqft |
| 2020-08-01 | 0 days | 1,720 sqft |
| 2020-09-01 | 0 days | 1,685 sqft |
| 2020-10-01 | 0 days | 1,746 sqft |
| 2020-11-01 | 0 days | 1,710 sqft |
| 2020-12-01 | 0 days | 1,658 sqft |
| 2021-01-01 | 0 days | 1,720 sqft |
| 2021-02-01 | 0 days | 1,740 sqft |
| 2021-03-01 | 0 days | 1,721 sqft |
| 2021-04-01 | 0 days | 1,638 sqft |
| 2021-05-01 | 0 days | 1,812 sqft |
| 2021-06-01 | 0 days | 1,724 sqft |
| 2021-07-01 | 0 days | 1,724 sqft |
| 2021-08-01 | 0 days | 1,679 sqft |
| 2021-09-01 | 0 days | 1,638 sqft |
| 2021-10-01 | 0 days | 1,639 sqft |
| 2021-11-01 | 0 days | 1,612 sqft |
| 2021-12-01 | 0 days | 1,643 sqft |
| 2022-01-01 | 0 days | 1,654 sqft |
| 2022-02-01 | 0 days | 1,564 sqft |
| 2022-03-01 | 0 days | 1,556 sqft |
| 2022-04-01 | 0 days | 1,596 sqft |
| 2022-05-01 | 0 days | 1,582 sqft |
| 2022-06-01 | 0 days | 1,589 sqft |
| 2022-07-01 | 0 days | 1,664 sqft |
| 2022-08-01 | 0 days | 1,612 sqft |
| 2022-09-01 | 0 days | 1,594 sqft |
| 2022-10-01 | 0 days | 1,603 sqft |
| 2022-11-01 | 0 days | 1,674 sqft |
| 2022-12-01 | 0 days | 1,676 sqft |
| 2023-01-01 | 0 days | 1,720 sqft |
| 2023-02-01 | 0 days | 1,588 sqft |
| 2023-03-01 | 0 days | 1,622 sqft |
| 2023-04-01 | 0 days | 1,582 sqft |
| 2023-05-01 | 0 days | 1,629 sqft |
| 2023-06-01 | 0 days | 1,687 sqft |
| 2023-07-01 | 0 days | 1,579 sqft |
| 2023-08-01 | 0 days | 1,576 sqft |
| 2023-09-01 | 0 days | 1,536 sqft |
| 2023-10-01 | 0 days | 1,576 sqft |
| 2023-11-01 | 0 days | 1,577 sqft |
| 2023-12-01 | 0 days | 1,568 sqft |
| 2024-01-01 | 0 days | 1,541 sqft |
| 2024-02-01 | 0 days | 1,537 sqft |
| 2024-03-01 | 0 days | 1,509 sqft |
| 2024-04-01 | 0 days | 1,564 sqft |
| 2024-05-01 | 0 days | 1,588 sqft |
| 2024-06-01 | 0 days | 1,641 sqft |
| 2024-07-01 | 0 days | 1,696 sqft |
| 2024-08-01 | 0 days | 1,684 sqft |
| 2024-09-01 | 0 days | 1,666 sqft |
| 2024-10-01 | 0 days | 1,637 sqft |
| 2024-11-01 | 0 days | 1,661 sqft |
| 2024-12-01 | 0 days | 1,609 sqft |
| 2025-01-01 | 0 days | 1,557 sqft |
| 2025-02-01 | 0 days | 1,562 sqft |
| 2025-03-01 | 0 days | 1,557 sqft |
| 2025-04-01 | 0 days | 1,616 sqft |
| 2025-05-01 | 0 days | 1,607 sqft |
| 2025-06-01 | 0 days | 1,573 sqft |
| 2025-07-01 | 0 days | 1,557 sqft |
| 2025-08-01 | 0 days | 1,650 sqft |
| 2025-09-01 | 0 days | 1,733 sqft |
| 2025-10-01 | 0 days | 1,740 sqft |
| 2025-11-01 | 0 days | 1,740 sqft |
| 2025-12-01 | 0 days | 1,689 sqft |
| 2026-01-01 | 0 days | 1,669 sqft |
| 2026-02-01 | 0 days | 1,667 sqft |
| 2026-03-01 | 0 days | 1,650 sqft |
| 2026-04-01 | 0 days | 1,760 sqft |
| 2026-05-01 | 0 days | 1,764 sqft |
| 2026-06-01 | 0 days | 1,796 sqft |
| 2026-07-01 | 0 days | 1,790 sqft |
| 2026-08-01 | 0 days | 1,796 sqft |
| 2026-09-01 | 0 days | 1,790 sqft |
| 2026-10-01 | 0 days | 1,796 sqft |
Cambridge's median listing age (time on market) for 2026-10-01 was 0 days.
Cambridge's median square footage for active listings during the 2026-10-01 period was 1,796 sqft. One year prior, the average listing was 1,740 sqft.
Cambridge's median square footage for active listings during the 2026-10-01 period was 1,796 sqft. One year prior, the average listing was 1,740 sqft.
Cambridge, MD Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 413 | $115,655,000 | $280,036 |
| Cash Out Refi | 131 | $27,075,000 | $206,679 |
| Refi | 126 | $39,620,000 | $314,444 |
| Other | 62 | $6,030,000 | $97,258 |
| Home Improvement | 47 | $5,625,000 | $119,681 |
Cambridge's most frequently cited loan purpose was Home Purchase, with 413 originations. The 2nd most popular reason was Cash Out Refi, with 131 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 372 | $105,080,000 | $282,473 |
| 5-6% | 137 | $37,675,000 | $275,000 |
| 7-8% | 114 | $27,420,000 | $240,526 |
| Over 8% | 89 | $8,005,000 | $89,944 |
| 4-5% | 17 | $2,995,000 | $176,176 |
| <2.5% | 3 | $135,000 | $45,000 |
| 3-4% | 3 | $355,000 | $118,333 |
During 2025, Cambridge's most frequently originated rate bucket was 6-7%, with 372 originations.
Loan Sizing (Cambridge, MD MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 384 | $108,100,000 | $281,510 |
| $100k-200k | 189 | $28,575,000 | $151,190 |
| $100,000 or less | 122 | $6,690,000 | $54,836 |
| $400k-600k | 55 | $24,735,000 | $449,727 |
| $600k-1000k | 22 | $17,120,000 | $778,182 |
| $Over $1MM | 7 | $8,785,000 | $1,255,000 |
Cambridge's loan sizing saw the bucket of loans from $200k-400k with 384 originations, totaling $108,100,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 321 | $94,935,000 | $295,748 |
| 60-80% | 165 | $47,545,000 | $288,152 |
| Under 20% | 86 | $4,680,000 | $54,419 |
| 20-40% | 65 | $7,215,000 | $111,000 |
| 40-60% | 64 | $16,140,000 | $252,188 |
| Over 100% | 15 | $6,245,000 | $416,333 |
Cambridge's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 321 originations, totaling $94,935,000 in origination value.