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Severn CDP, MD

ZIP 21076 — 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 21076

Median Home Value
$492,100
Median Rent
$2,218
Affordability Snapshot
$135,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,161/mo PITI).

19%
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.

18.5 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 21076 in Severn CDP, MD, a household would need roughly $135,000 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 $3,161. That is roughly in line with the local median household income ($143,409). 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
66.3%+1% vs US avg
x
Vacancy Rate
2.7%-74% vs US avg
x
Broadband Access
97.7%+12% vs US avg
x
4+ Bedrooms
8.0%-46% vs US avg
x
Built Pre-1939
0.2%-99% vs US avg
x
Built Post-2014
4.4%-37% vs US avg
x
Rent Burden >30%
14.4%-71% vs US avg
x
Mortgage-Free
23.7%-38% vs US avg
x
$492,100
Home Value
$2,218
Rent
2008
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached37.9%
  • 1-unit attached29.7%
  • 2-9 units1.7%
  • 10+ units27.8%
  • Mobile home & other2.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$492,100
Median rent$2,218
Owner-occupied66.3%
Vacant2.7%
Price-to-income3.4x
Est. income to buy$135,000