Maryland offers diverse affordable towns below the $434,000 state home average. Havre de Grace features Chesapeake Bay views and historic sites with homes around $409,000. Hagerstown offers cultural amenities at $304,000. Cambridge provides outdoor activities for $266,000. Greenbelt, near D.C., has homes at $285,000. Cumberland is budget-friendly at $158,000 with mountain recreation. Salisbury and Chestertown offer small-town charm for $268,000 and $394,000, respectively. Lexington Park, near a naval base, averages $389,000.