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Dunkirk CDP, MD

ZIP 20754 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 20754

Median Home Value
$601,300
Median Rent
$2,102
Affordability Snapshot
$166,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,863/mo PITI).

15%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

23.8 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 20754 in Dunkirk CDP, MD, a household would need roughly $166,000 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 $3,863. That is roughly in line with the local median household income ($173,208). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
92.7%+42% vs US avg
x
Vacancy Rate
2.4%-77% vs US avg
x
Broadband Access
93.6%+8% vs US avg
x
4+ Bedrooms
21.7%+47% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
1.5%-79% vs US avg
x
Rent Burden >30%
38.5%-22% vs US avg
x
Mortgage-Free
28.0%-27% vs US avg
x
$601,300
Home Value
$2,102
Rent
1987
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached95.3%
  • 1-unit attached1.1%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other3.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$601,300
Median rent$2,102
Owner-occupied92.7%
Vacant2.4%
Price-to-income3.5x
Est. income to buy$166,000