Charles County areas such as La Plata, White Plains and Hughesville have many homes currently available within your price range. Additionally, the commute is really no worse than some of the other suggested areas like Montgomery and Howard Counties....you are looking at an hour or less commute time and a distance of about 30 miles with these areas in Southern Maryland. You can check out school zoning at
Transporting... (Charles County Board of Education) and then see how the schools rate at
GreatSchools - Public and Private School Ratings, Reviews and Parent Community.
Additionally, Northern Calvert County and Southern Anne Arundel County offer a better commute - probably only 25 miles or so. There are also homes available that are priced within your budget, though not nearly as many as in Charles County. School info for both of these areas are also available on-line.
I live in and love Southern Maryland. It is scenic, it has areas rich in history, it offers every convenience but still has beautiful rural and natural areas, and most of all it has beautiful waterways that offer endless recreation like boating, fishing, waterfront dining, etc. It is certainly an area worth considering...