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, MD

ZIP 21028 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 21028

Median Home Value
$476,400
Median Rent
$1,530
Affordability Snapshot
$131,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,060/mo PITI).

14%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

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

25.9 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 21028 in MD, a household would need roughly $131,000 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 $3,060. That is roughly in line with the local median household income ($133,583). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.8%+30% vs US avg
x
Vacancy Rate
12.6%+22% vs US avg
x
Broadband Access
92.9%+7% vs US avg
x
4+ Bedrooms
9.5%-36% vs US avg
x
Built Pre-1939
1.2%-90% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
50.7%+2% vs US avg
x
Mortgage-Free
30.4%-20% vs US avg
x
$476,400
Home Value
$1,530
Rent
1973
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 detached95.9%
  • 1-unit attached2.8%
  • 2-9 units1.3%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$476,400
Median rent$1,530
Owner-occupied84.8%
Vacant12.6%
Price-to-income3.6x
Est. income to buy$131,000