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%

Cloverly$3,980/mo

Typical home $665K (Census) · tax rate 0.88% · or rent about $2,129/mo · Housing →

Layhill$3,590/mo

Typical home $608K (Census) · tax rate 0.79% · or rent about $2,189/mo · Housing →

The difference: $390 a month, about $4,700 a year, between Cloverly and Layhill.

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.

Where they are

Cloverly and Layhill share a border

Straight-line miles between town centers.

CloverlyLayhill

Cloverly ↔ Layhill2.6 miles apart · They share a border

Report cards

Cloverly places higher on 12 of 19 MD lists

Our letter grades for safety, schools and health, then every Maryland ranking list both towns are on. A grade is one measure; read the page behind it.

Schools

B+CloverlyBetter than 72% of districts in the state B+LayhillBetter than 72% of districts in the state

Health

ACloverlyHealthier than 92% of U.S. towns A−LayhillHealthier than 85% of U.S. towns

12Cloverly

5Layhill

Lists won, of 19 where both are ranked. Ties go to nobody.

Fastest growingGrowth · 250 towns #205#82 Most walkableOutdoors · 261 towns #218#94 Best schoolsSchools · 235 towns #36#143 Fewest uninsuredHealth · 262 towns #68#172 Most remote workersWork · 256 towns #32#106 Most educatedPeople · 262 towns #44#101 Shortest commuteGetting around · 262 towns #187#237 Lowest property taxCost of living · 259 towns #222#182

Left end = #1 in Maryland. Showing the lists where the towns are furthest apart. All of Cloverly’s rankings →

Life in each

What daily life feels like in each

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

CloverlyLayhill

Snow a year16″16″

January low25°F 25°F

July high87°F 87°F

Growing season (days)202d 202d

Hazard risk (U.S. pctl)7th 24th

Outdoors & history

CloverlyLayhill

Trails26 mi 0 mi

Conserved land28.3%23.6%

Archive photos11 1

Famous people born here—1

Community

CloverlyLayhill

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.

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

CloverlyLayhill

People

Population 16,646Highest 5,497Lowest

Growth since 20102010 → 2020 census +1.1%Lowest MD: +7% +11.5%Highest MD: +7%

Median age 44.8±1.2Highest 14% above MD 39.3±6.8Lowest about the MD average

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

Kids under 18 22.4%±2.8Lowest MD: 22.2% 22.8%±4.7Highest MD: 22.2%

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

Age 65+ 20.4%±2.1Highest MD: 16.7% 19%±1.8Lowest MD: 16.7%

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

Bachelor’s degree+adults 25+ 59%Highest MD: 43.4% 46.4%Lowest MD: 43.4%

Enrolled in collegeshare of residents 6.2%±1.7Lowest MD: 6.9% 10.9%±3.9Highest MD: 6.9%

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

Cost of living

Household incomemedian $152,083±$26kHighest 47% above MD $146,308±$23kLowest 41% above MD

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

Home valuemedian, owner-occupied $665,300±$18kHighest 58% above MD $608,000±$42kLowest 45% above MD

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

Rentmedian gross, monthly $2,129±$549Lowest 25% above MD $2,189±$491Highest 28% above MD

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

Property taxmedian, yearly $5,873Highest 43% above MD $4,824Lowest 18% above MD

Renters paying 30%+of income on rent 56%±12.6Highest MD: 51.5% 48.8%±28.3Lowest MD: 51.5%

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

Below poverty line 7.2%Highest MD: 9.4% 4.3%Lowest MD: 9.4%

Housing

Homeownersof occupied homes 85.4%Highest MD: 67.6% 84.8%Lowest MD: 67.6%

Typical home builtmedian year 1983Highest 4 yrs newer than MD 1980Lowest 1 yr newer than MD

Getting to work

Average commuteone way 35 minLowest 12% above MD 39 minHighest 26% above MD

Work from home 28.2%±4.7Highest MD: 19.3% 19.7%±4.9Lowest MD: 19.3%

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

Work in townworking residents 1.8%Highest 1.5%Lowest

Typical commute distancemedian, straight-line 11.3 miHighest 10.3 miLowest

Jobs per working residentover 1.5 = a job hub 0.27Lowest 0.39Highest

Top workplaceoutside town Washington (16%)Washington (20%)

Between these townsresidents who work in the others Few work in LayhillFew work in Cloverly

Outdoors

Conserved landshare of the town 28.3%Highest 23.6%Lowest

Trailsmapped miles 26.0 miHighest 0.3 miLowest

Trail densitymiles per sq mi 2.6 miHighest 0.2 miLowest

Parks & preservesnamed on the map 15Highest 6Lowest

Street connectivityintersections per sq mi, a walkability measure 36.8Lowest 78.1Highest

Schools

Public school scoresrank in state, math + reading #36 of 235 in MD #143 of 235 in MD

School district Montgomery County Public SchoolsMontgomery County Public Schools

High school in town James Hubert Blake HighNone in town

Students per teacherat that high school 17.1 —

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.

Cloverly neighborsTown Square →

Your question goes to Cloverly’s Town Square.

Layhill neighborsTown Square →

Your question goes to Layhill’s Town Square.

Add a town

Set another town beside Cloverly and Layhill

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

Bordering Cloverly

+ Compare

Colesville14,519 people · $617K homes

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Fairland26,231 people · $477K homes

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Burtonsville10,203 people · $489K homes

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Spencerville1,028 people · $627K homes

Towns like Cloverly

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Mount Airy9,805 people · $487K homes

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Havre de Grace14,994 people · $393K homes

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La Plata10,683 people · $428K homes

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Annapolis40,720 people · $549K 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.

Cloverly vs Layhill

Two towns, two different strengths

Where they part ways

A typical home costs $390 more a month in Cloverly

Cloverly and Layhill share a border

Cloverly places higher on 12 of 19 MD lists

What daily life feels like in each

What matters to you?

Ask the people who live there

Set another town beside Cloverly and Layhill

Bordering Cloverly

Towns like Cloverly

Post to Cloverly

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