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Mount Rainier city, MD

ZIP 20712 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 20712

Median Home Value
$531,100
Median Rent
$1,363
Affordability Snapshot
$146,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,412/mo PITI).

24%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

7.8x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

32.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 20712 in Mount Rainier city, MD, a household would need roughly $146,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,412. That is about 113% above the local median household income ($68,452), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
23.3%-64% vs US avg
x
Vacancy Rate
3.8%-63% vs US avg
x
Broadband Access
91.5%+5% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
17.9%+40% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.8%-58% vs US avg
x
Mortgage-Free
19.7%-49% vs US avg
x
$531,100
Home Value
$1,363
Rent
1950
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached27.4%
  • 1-unit attached0.8%
  • 2-9 units57.3%
  • 10+ units14.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$531,100
Median rent$1,363
Owner-occupied23.3%
Vacant3.8%
Price-to-income7.8x
Est. income to buy$146,000