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Ellicott City CDP, MD

ZIP 21042 — 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 21042

Median Home Value
$674,700
Median Rent
$2,133
Affordability Snapshot
$186,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,334/mo PITI).

13%
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.

26.4 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 21042 in Ellicott City CDP, MD, a household would need roughly $186,000 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 $4,334. That is roughly in line with the local median household income ($190,504). 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
85.4%+31% vs US avg
x
Vacancy Rate
2.0%-80% vs US avg
x
Broadband Access
95.7%+10% vs US avg
x
4+ Bedrooms
20.7%+40% vs US avg
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
33.4%-33% vs US avg
x
Mortgage-Free
30.5%-20% vs US avg
x
$674,700
Home Value
$2,133
Rent
1986
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 detached76.0%
  • 1-unit attached10.0%
  • 2-9 units5.7%
  • 10+ units8.3%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$674,700
Median rent$2,133
Owner-occupied85.4%
Vacant2.0%
Price-to-income3.5x
Est. income to buy$186,000