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Shady Side CDP, MD

ZIP 20764 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 20764

Median Home Value
$376,800
Median Rent
$1,899
Affordability Snapshot
$104,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,420/mo PITI).

21%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

16.5 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 20764 in Shady Side CDP, MD, a household would need roughly $104,000 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 $2,420. That is roughly in line with the local median household income ($111,129). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.1%+26% vs US avg
x
Vacancy Rate
19.7%+91% vs US avg
x
Broadband Access
100.0%+15% vs US avg
x
4+ Bedrooms
4.1%-72% vs US avg
x
Built Pre-1939
9.7%-24% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
48.6%-2% vs US avg
x
Mortgage-Free
23.4%-39% vs US avg
x
$376,800
Home Value
$1,899
Rent
1979
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached97.8%
  • 1-unit attached0.9%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other1.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$376,800
Median rent$1,899
Owner-occupied82.1%
Vacant19.7%
Price-to-income3.4x
Est. income to buy$104,000