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Havre de Grace city, MD

ZIP 21078 — 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 21078

Median Home Value
$355,500
Median Rent
$1,095
Affordability Snapshot
$98,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,284/mo PITI).

12%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

27.1 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 21078 in Havre de Grace city, MD, a household would need roughly $98,000 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 $2,284. That sits below the local median household income ($109,451), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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
77.4%+18% vs US avg
x
Vacancy Rate
5.1%-50% vs US avg
x
Broadband Access
92.9%+7% vs US avg
x
4+ Bedrooms
4.8%-67% vs US avg
x
Built Pre-1939
4.6%-64% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
13.0%-74% vs US avg
x
Mortgage-Free
32.1%-16% vs US avg
x
$355,500
Home Value
$1,095
Rent
1987
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 detached59.2%
  • 1-unit attached18.0%
  • 2-9 units9.8%
  • 10+ units8.7%
  • Mobile home & other4.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$355,500
Median rent$1,095
Owner-occupied77.4%
Vacant5.1%
Price-to-income3.2x
Est. income to buy$98,000