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Severna Park CDP, MD

ZIP 21108 — 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 21108

Median Home Value
$543,200
Median Rent
$1,898
Affordability Snapshot
$150,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,489/mo PITI).

16%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

23.8 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 21108 in Severna Park CDP, MD, a household would need roughly $150,000 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 $3,489. That is roughly in line with the local median household income ($146,556). 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
87.0%+33% vs US avg
x
Vacancy Rate
2.9%-72% vs US avg
x
Broadband Access
99.2%+14% vs US avg
x
4+ Bedrooms
13.6%-8% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
3.3%-52% vs US avg
x
Rent Burden >30%
2.8%-94% vs US avg
x
Mortgage-Free
25.3%-34% vs US avg
x
$543,200
Home Value
$1,898
Rent
1982
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached76.4%
  • 1-unit attached18.4%
  • 2-9 units0.0%
  • 10+ units3.8%
  • Mobile home & other1.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$543,200
Median rent$1,898
Owner-occupied87.0%
Vacant2.9%
Price-to-income3.7x
Est. income to buy$150,000