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ZIP 21094
Housing & Real Estate

ZIP 21094 — Housing & Real Estate

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

Upper Middle ClassRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 21094

Median Home Value

$479,600

Median Rent

$1,594

Affordability Snapshot

$132,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,081/mo PITI).

14%

Rent-to-Income Ratio

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

3.6x

Home Price-to-Income Ratio

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

25.1 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 21094, a household would need roughly $132,000 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 $3,081. That is roughly in line with the local median household income ($132,287). 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

71.0%+9% vs US avg

Vacancy Rate

0.8%-92% vs US avg

Broadband Access

96.4%+11% vs US avg

4+ Bedrooms

10.3%-30% vs US avg

Built Pre-1939

2.8%-78% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

21.7%-56% vs US avg

Mortgage-Free

32.7%-14% vs US avg

$479,600

Home Value

$1,594

Rent

1967

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 detached72.0%
1-unit attached5.2%
2-9 units3.3%
10+ units19.5%
Mobile home & other0.0%

ZIP 21094 — Housing & Real Estate

Housing & Real Estate in ZIP Code 21094

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