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Hampstead town, MD

ZIP 21074 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 21074

Median Home Value
$349,900
Median Rent
$978
Affordability Snapshot
$96,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,248/mo PITI).

12%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

29.8 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 21074 in Hampstead town, MD, a household would need roughly $96,000 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 $2,248. That is roughly in line with the local median household income ($101,462). 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
86.0%+32% vs US avg
x
Vacancy Rate
1.7%-83% vs US avg
x
Broadband Access
94.0%+8% vs US avg
x
4+ Bedrooms
8.4%-43% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
22.0%-56% vs US avg
x
Mortgage-Free
23.6%-38% vs US avg
x
$349,900
Home Value
$978
Rent
1984
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached76.6%
  • 1-unit attached10.6%
  • 2-9 units5.6%
  • 10+ units6.9%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$349,900
Median rent$978
Owner-occupied86.0%
Vacant1.7%
Price-to-income3.4x
Est. income to buy$96,000