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LakesMaryland → Deep Creek Lake

Deep Creek Lake

Maryland · Reservoir impounded 1925 · near McHenry

3,900 acres 75 ft deep 12 ft clarity Water C
Compare
6.5SCORE
Survey summary · Maryland
3,900
Surface acres
75 ft
Max depth
69 mi
Shoreline
12 ft
Typical clarity
2,462 ft
Elevation

Deep Creek Lake covers 3,900 acres in Maryland and drops to 75 feet at its deepest point. It is a reservoir impounded in 1925 and managed by Maryland DNR. Short-term rental posture: Garrett County licensed. Confirm at the municipal level before underwriting rental income.

What stands out

  • Boating
  • Skiing

Score breakdown

WATER RECREATION VALUE ACCESS INVESTMENT
Water 6.3
Recreation 6.4
Value 6.8
Access 6.1
Investment 6.8

Each axis is computed by published formula from this lake's own attributes. How we score.

Water quality grade
Water A
ExcellentClear, low-nutrient water. Typically oligotrophic with high clarity and little seasonal algae.
Water B
GoodHealthy water with moderate clarity. Some seasonal variation, no persistent problems.
Water C
FairProductive water — good fishing, reduced clarity. Algae possible in late summer.
Water D
PoorNutrient-rich or heavily drawn down. Swimmable conditions vary; check before you rely on them.

Computed from measured clarity, trophic state, and drawdown magnitude — not an opinion. See the formula.

Overall score, 1–10
8.0+
ExceptionalStrong on every axis we measure.
7.0–7.9
StrongClearly above average, usually with one standout axis.
6.0–6.9
SolidA good lake with a trade-off worth understanding.
5.0–5.9
MixedReal strengths and real compromises.
Under 5
CompromisedSomething material — volatility, water quality, or access.

Weighted: water 26% · recreation 22% · investment 20% · value 18% · access 14%.

Fishery

Yellow perchWalleyeSmallmouth bassTrout

On the water

BoatingSkiingFishingSnow sports
Live from DEEP CREEK LAKE NEAR THAYERVILLE, MD. This is a lake or reservoir station measuring reservoir elevation on this water body — direct sensor readings, not estimates.
13.50 deg C
Temperature
2026-08-04
0.78 ft
Gage height
2026-08-04

Gauge history

Daily values from USGS. Loading up to one year.

What the drawdown looks like

Full pool vs winter low · Deep Creek Lake
8 ft FULL POOL WINTER LOW

The dock sits at full-pool elevation. At low pool the waterline retreats and the reach to navigable water changes. Scale is illustrative; the 8 ft figure is from published operations for this lake.

Where it is

True shoreline from USGS NHD 15 km²

The outline is this lake's actual boundary from the USGS National Hydrography Dataset, not an approximation — 575 boundary points. Basemap is USGS topographic with contours and hydrography. Switch layers at the top right.

Depth profile

SURFACE 75 ft max avg 24 ft

Idealized cross-section. Max depth 75 ft, average 24 ft. Depth at a specific dock depends on local bathymetry — verify at the property.

Level behaviour

Level stabilityManaged Typical drawdown8 ft Drawdown seasonWinter Trophic stateMesotrophic Typical clarity12 ft Water quality gradeC Elevation2,462 ft Managing authorityMaryland DNR

Dock & shoreline

Permitting authorityMaryland DNR Wake / speed rulesNo-wake within 100ft
A dock is never guaranteed. Confirm in writing with Maryland DNR that the specific parcel is eligible before you remove contingencies.

Short-term rental posture

Garrett County licensed

Generally permitted, but rules change. Confirm the specific municipality and any HOA covenant.
Model rental income →
Modeled estimates. Market figures are derived from lake attributes and regional patterns, not from MLS data. Treat them as a starting point, not a comp.
$400,000
Median waterfront
$1,117
Per shoreline foot
+7.9%
Year over year
222
Est. inventory
44
Avg days on market
$275
Est. nightly rate

Rental snapshot

Modeled occupancy41% Booked nights / yr108 Gross revenue$35,860 Net operating income$15,217 Yield on median price3.80%
Open the full model →

What a median-priced home on Deep Creek Lake actually costs to carry, with waterfront-specific line items most calculators omit.

$3,526
All-in per month
$92,850
Cash to close + setup
$11,140
Beyond P&I, tax, insurance
Where the annual cost goes
$42,310 PER YEAR
Principal & interest $25,290 (62%) Maintenance reserve (1.1%) $4,400 (11%) Property taxes $4,200 (10%) Utilities $2,700 (7%) Hazard insurance $1,680 (4%) Shoreline / seawall reserve $960 (2%) Dock maintenance $900 (2%) Winterization / seasonal close $750 (2%)

Annual carry

Principal & interest$25,290
Property taxes$4,200
Hazard insurance$1,680
Flood insurance$650
Utilities$2,700
Maintenance reserve (1.1%)$4,400
Septic service$520
Well & water testing$260
Dock maintenance$900
Winterization / seasonal close$750
Shoreline / seawall reserve$960
Total$42,310
Model your own numbers →
4.3 / 5 from 3 reviews
Good value compared to nearby lakes
Danielle S. · Fall 2025
4/5

Prices here are meaningfully lower than the lake an hour north for water that is nearly as clear. Fewer restaurants and services, which is the tradeoff.

Best family lake we found
Steve & Kate P. · Spring 2026
5/5

We looked at six lakes across three states before choosing this one. Sandy bottom in the swim areas, enough marina services, and it never feels crowded outside July.

Great water, know the drawdown
A. Whitfield · Owner on the lake · Fall 2025
4/5

Beautiful clear water and the fishing is genuinely good. Be aware the level drops in the fall and our dock needed a longer walkway than we budgeted for. Not a dealbreaker, just plan for it.

For sale

Homes on Deep Creek Lake

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