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Joppatowne CDP, MD

ZIP 21085 — 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 21085

Median Home Value
$327,300
Median Rent
$1,301
Affordability Snapshot
$90,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,102/mo PITI).

14%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

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

21.0 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 21085 in Joppatowne CDP, MD, a household would need roughly $90,000 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 $2,102. That sits below the local median household income ($107,975), 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
82.1%+25% vs US avg
x
Vacancy Rate
7.3%-30% vs US avg
x
Broadband Access
89.5%+3% vs US avg
x
4+ Bedrooms
6.7%-55% vs US avg
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
25.9%-48% vs US avg
x
Mortgage-Free
33.3%-13% vs US avg
x
$327,300
Home Value
$1,301
Rent
1973
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached66.5%
  • 1-unit attached19.6%
  • 2-9 units6.9%
  • 10+ units4.4%
  • Mobile home & other2.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$327,300
Median rent$1,301
Owner-occupied82.1%
Vacant7.3%
Price-to-income3.0x
Est. income to buy$90,000