US5.com
  1. Home
  2. States
  3. Maryland
  4. ZIP 21046
  5. Housing & Real Estate
Columbia CDP, MD

ZIP 21046 — 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 21046

Median Home Value
$469,000
Median Rent
$1,928
Affordability Snapshot
$129,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,013/mo PITI).

18%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

20.3 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 21046 in Columbia CDP, MD, a household would need roughly $129,000 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 $3,013. That is roughly in line with the local median household income ($126,549). 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
62.7%-4% vs US avg
x
Vacancy Rate
4.1%-60% vs US avg
x
Broadband Access
98.7%+13% vs US avg
x
4+ Bedrooms
4.5%-69% vs US avg
x
Built Pre-1939
0.2%-98% vs US avg
x
Built Post-2014
0.4%-95% vs US avg
x
Rent Burden >30%
24.6%-51% vs US avg
x
Mortgage-Free
27.9%-27% vs US avg
x
$469,000
Home Value
$1,928
Rent
1984
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached37.9%
  • 1-unit attached25.8%
  • 2-9 units8.5%
  • 10+ units27.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$469,000
Median rent$1,928
Owner-occupied62.7%
Vacant4.1%
Price-to-income3.7x
Est. income to buy$129,000