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Columbia CDP, MD

ZIP 21044 — 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 21044

Median Home Value
$541,100
Median Rent
$1,904
Affordability Snapshot
$149,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,476/mo PITI).

17%
Rent-to-Income Ratio

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

4.1x
Home Price-to-Income Ratio

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

23.7 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 21044 in Columbia CDP, MD, a household would need roughly $149,000 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 $3,476. That is roughly in line with the local median household income ($132,924). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
61.3%-6% vs US avg
x
Vacancy Rate
7.0%-32% vs US avg
x
Broadband Access
94.4%+9% vs US avg
x
4+ Bedrooms
11.3%-24% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
18.7%-62% vs US avg
x
Mortgage-Free
29.1%-24% vs US avg
x
$541,100
Home Value
$1,904
Rent
1984
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached35.5%
  • 1-unit attached23.8%
  • 2-9 units10.9%
  • 10+ units29.4%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$541,100
Median rent$1,904
Owner-occupied61.3%
Vacant7.0%
Price-to-income4.1x
Est. income to buy$149,000