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Columbia CDP, MD

ZIP 21029 — 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 21029

Median Home Value
$904,700
Median Rent
$3,501
Affordability Snapshot
$249,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,812/mo PITI).

17%
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.

21.5 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 21029 in Columbia CDP, MD, a household would need roughly $249,000 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 $5,812. That is roughly in line with the local median household income ($250,001). 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
91.7%+40% vs US avg
x
Vacancy Rate
2.0%-81% vs US avg
x
Broadband Access
98.9%+14% vs US avg
x
4+ Bedrooms
40.1%+171% vs US avg
x
Built Pre-1939
0.6%-96% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
30.6%-39% vs US avg
x
Mortgage-Free
26.8%-30% vs US avg
x
$904,700
Home Value
$3,501
Rent
1998
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached89.8%
  • 1-unit attached7.3%
  • 2-9 units0.2%
  • 10+ units2.4%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$904,700
Median rent$3,501
Owner-occupied91.7%
Vacant2.0%
Price-to-income3.6x
Est. income to buy$249,000