Southern Maryland also includes Waldorf, La Plata, White Plains, etc. Once you realize the majority of people in the area have about a 45 -80 minute commute, you can find some nice affordable, safe housing. I'd definitely get over the Charles County line, though some of the areas just north of Charles County aren't bad, either, but I can't vouch for schools, property values, etc. The further out they get, the more house they're going to get for their money, of course. There are some nice newer developments around Waldorf, a few in White Plains and just a few more miles away La Plata. I'd kill for a drive from La PLata to ONI.