US5.com
  1. Home
  2. States
  3. Maryland
  4. ZIP 21035
  5. Housing & Real Estate
Riva CDP, MD

ZIP 21035 — 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 21035

Median Home Value
$801,400
Median Rent
$2,920
Affordability Snapshot
$221,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,148/mo PITI).

20%
Rent-to-Income Ratio

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

4.5x
Home Price-to-Income Ratio

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

22.9 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 21035 in Riva CDP, MD, a household would need roughly $221,000 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 $5,148. That is about 25% above the local median household income ($176,597), 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

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

Heating Fuel
Housing Metrics
Owner Occupied
94.9%+45% vs US avg
x
Vacancy Rate
5.0%-52% vs US avg
x
Broadband Access
92.6%+6% vs US avg
x
4+ Bedrooms
32.9%+122% vs US avg
x
Built Pre-1939
0.8%-93% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
3.6%-93% vs US avg
x
Mortgage-Free
25.5%-33% vs US avg
x
$801,400
Home Value
$2,920
Rent
1986
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached98.3%
  • 1-unit attached0.0%
  • 2-9 units0.3%
  • 10+ units1.4%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$801,400
Median rent$2,920
Owner-occupied94.9%
Vacant5.0%
Price-to-income4.5x
Est. income to buy$221,000