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Lake Shore CDP, MD

ZIP 21122 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 21122

Median Home Value
$412,100
Median Rent
$1,854
Affordability Snapshot
$113,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,647/mo PITI).

18%
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 21122 in Lake Shore CDP, MD, a household would need roughly $113,000 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 $2,647. That is roughly in line with the local median household income ($121,732). 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
86.1%+32% vs US avg
x
Vacancy Rate
3.8%-63% vs US avg
x
Broadband Access
95.5%+10% vs US avg
x
4+ Bedrooms
7.1%-52% vs US avg
x
Built Pre-1939
5.4%-58% vs US avg
x
Built Post-2014
0.4%-95% vs US avg
x
Rent Burden >30%
25.3%-49% vs US avg
x
Mortgage-Free
24.9%-35% vs US avg
x
$412,100
Home Value
$1,854
Rent
1981
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 detached74.7%
  • 1-unit attached15.9%
  • 2-9 units3.5%
  • 10+ units5.6%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$412,100
Median rent$1,854
Owner-occupied86.1%
Vacant3.8%
Price-to-income3.4x
Est. income to buy$113,000