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Most affordable housing market in Maryland? Hint: It's not Annapolis

Marylanders on average have to pay more for houses than the typical homebuyer across the country, according to a new survey by Coldwell Banker Real Estate.

Coldwell Banker reports the national average price of a 4-bedroom, 2-bathroom house is $293,251. In Maryland, that house would go for $381,314.

Coldwell Banker allows you to comparison shop markets on its site. There you can find that a 250,000 house in Baltimore would cost you $652,778 in Annapolis -- ouch. But that house would only cost you $152,778 in Cumberland. In the survey of 2,300 markets nationwide, Cumberland ranked the 316th most affordable; while there were 2,240 more affordable markets than Annapolis.

The cheapest place in the country:  Niagara Falls, New York, where the 4-bedroom house goes for  $60,820.  was rated the 2,241 most

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