A typical home in each town, bought with 20% down at 6.3% for 30 years, plus property tax at the town’s own rate and insurance. Change the numbers to fit you.

Down paymentRate%

Accident$1,940/mo

Typical home $314K (Zillow) · tax rate 1.13% · Housing →

Barclay$2,570/mo

Typical home $430K (Zillow) · tax rate 0.89% · or rent about $1,650/mo · Housing →

The difference: $630 a month, about $7,500 a year, between Barclay and Accident.

Estimates, not a quote: your price, rate, tax bill and insurance will differ. Tax rate = the Census median tax bill over the median home value.

Life in each

Accident gets 88 more inches of snow a year

The weather, the land, the history and the people, row by row. None of it is a grade: more snow is a plus to a skier.

Seasons

AccidentBarclay

Snow a year105″17″

January low18°F 27°F

July high81°F 87°F

Growing season (days)156d 217d

Hazard risk (U.S. pctl)12th 5th

Outdoors & history

AccidentBarclay

Settled1786 1873

National Register places1 —

Archive photos3 2

Community

AccidentBarclay

Library hours a week35 hrs —

Posts this month0 0

Neighbors joined0 0

A dot marks the most on each row. Climate: NOAA 1991–2020 normals at the nearest station. Hazard risk: FEMA National Risk Index, expected yearly damage vs U.S. towns.

Where they are

187 miles apart

Straight-line miles between town centers.

AccidentMD BarclayMD

Accident ↔ Barclay187 miles apart

Everything, side by side

What matters to you?

Pick a few. Those rows jump to the top and the best fit on each is marked. There’s no overall score: what matters is up to you.

Only big differences vs Maryland average

AccidentBarclay

People

Population 351Highest 225Lowest

Median age 36.5±12Lowest 7% below MD 37.9±27.7Highest 4% below MD

Barclay and Accident are within the Census margin of error here, so we can’t say which is really higher.

Kids under 18 16.8%±5Lowest MD: 22.2% 28%±8Highest MD: 22.2%

Barclay and Accident are within the Census margin of error here, so we can’t say which is really higher.

Age 65+ 16.5%±7.3Highest MD: 16.7% 16%±13.2Lowest MD: 16.7%

Accident and Barclay are within the Census margin of error here, so we can’t say which is really higher.

Bachelor’s degree+adults 25+ 19.4%Highest MD: 43.4% 14.2%Lowest MD: 43.4%

Enrolled in collegeshare of residents 5.1%±3.6Highest MD: 6.9% 0%±8.8Lowest MD: 6.9%

Accident and Barclay are within the Census margin of error here, so we can’t say which is really higher.

Cost of living

Household incomemedian $58,929±$37kLowest 43% below MD $66,875±$34kHighest 35% below MD

Barclay and Accident are within the Census margin of error here, so we can’t say which is really higher.

Home valuemedian, owner-occupied $220,300±$49kLowest 48% below MD $275,000±$38kHighest 35% below MD

Barclay and Accident are within the Census margin of error here, so we can’t say which is really higher.

Rentmedian gross, monthly — $1,650±$467 3% below MD

Property taxmedian, yearly $2,481Highest 39% below MD $2,438Lowest 40% below MD

Renters paying 30%+of income on rent 10.7%±26.4Lowest MD: 51.5% 78.6%±42.2Highest MD: 51.5%

Barclay and Accident are within the Census margin of error here, so we can’t say which is really higher.

Below poverty line 23.9%Highest MD: 9.4% 6.7%Lowest MD: 9.4%

Housing

Homeownersof occupied homes 52.5%Highest MD: 67.6% 48.1%Lowest MD: 67.6%

Typical home builtmedian year 1981Lowest 2 yrs newer than MD 1986Highest 7 yrs newer than MD

Getting to work

Average commuteone way 17 minLowest 45% below MD 31 minHighest about the MD average

Work from home 8%±7Highest MD: 19.3% 0%±14.9Lowest MD: 19.3%

Accident and Barclay are within the Census margin of error here, so we can’t say which is really higher.

Work in townworking residents 4.3%Highest 1.3%Lowest

Typical commute distancemedian, straight-line 15.3 miLowest 31.8 miHighest

Jobs per working residentover 1.5 = a job hub 1.52Lowest 4.53Highest

Top workplaceoutside town Oakland (13%)Chestertown (5%)

Between these townsresidents who work in the others Few work in BarclayFew work in Accident

Outdoors

Conserved landshare of the town 4.7%Highest 0.2%Lowest

Trailsmapped miles 0.2 miHighest 0.0 miLowest

Trail densitymiles per sq mi 0.4 miHighest 0.0 miLowest

Parks & preservesnamed on the map 0 0

Street connectivityintersections per sq mi, a walkability measure 62.9Highest 15.2Lowest

Maryland average“±” Census margin of errorACS 2020–2024

Deciding?

Ask the people who live there

The numbers stop at the town line. Neighbors can tell you about the commute at 7am, the schools, the winters and the feel of the place.

Accident neighborsTown Square →

Your question goes to Accident’s Town Square.

Barclay neighborsTown Square →

Your question goes to Barclay’s Town Square.

Add a town

Set another town beside Accident and Barclay

One tap adds it. Up to 4 towns at once.

Towns like Accident

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Midland589 people · $128K homes

Sources: U.S. Census Bureau American Community Survey 5-year estimates, 2010 & 2020 censuses, LEHD commute flows; Zillow Home Value Index; NCES Common Core of Data; FBI crime reporting; CDC PLACES; FEMA National Risk Index; NOAA U.S. Climate Normals 1991–2020; USGS PAD-US and OpenStreetMap. “±” is the Census margin of error; differences inside it are never called. Property tax is top-coded by the Census at $10,000+. There is no overall score: which town is better depends on what matters to you.

Accident vs Barclay

Two towns, two different strengths

Where they differ most

A typical home costs $630 more a month in Barclay

Accident gets 88 more inches of snow a year

187 miles apart

What matters to you?

Ask the people who live there

Set another town beside Accident and Barclay

Towns like Accident

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