US5.com
  1. Home
  2. States
  3. Maryland
  4. ZIP 21048
  5. Housing & Real Estate
Eldersburg CDP, MD

ZIP 21048 — 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 21048

Median Home Value
$423,900
Median Rent
$1,101
Affordability Snapshot
$117,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,723/mo PITI).

11%
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.

32.1 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 21048 in Eldersburg CDP, MD, a household would need roughly $117,000 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 $2,723. That is roughly in line with the local median household income ($122,801). 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
93.9%+44% vs US avg
x
Vacancy Rate
2.3%-77% vs US avg
x
Broadband Access
89.1%+2% vs US avg
x
4+ Bedrooms
13.7%-8% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
37.0%-25% vs US avg
x
Mortgage-Free
32.8%-14% vs US avg
x
$423,900
Home Value
$1,101
Rent
1980
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached90.9%
  • 1-unit attached2.2%
  • 2-9 units2.8%
  • 10+ units0.4%
  • Mobile home & other3.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$423,900
Median rent$1,101
Owner-occupied93.9%
Vacant2.3%
Price-to-income3.5x
Est. income to buy$117,000