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Riva CDP, MD

ZIP 21140 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 21140

Median Home Value
$598,200
Median Rent
$2,071
Affordability Snapshot
$165,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,843/mo PITI).

16%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

24.1 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 21140 in Riva CDP, MD, a household would need roughly $165,000 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 $3,843. That is roughly in line with the local median household income ($152,188). 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
97.6%+49% vs US avg
x
Vacancy Rate
2.5%-76% vs US avg
x
Broadband Access
96.3%+11% vs US avg
x
4+ Bedrooms
18.4%+24% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
1.9%-72% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
22.6%-41% vs US avg
x
$598,200
Home Value
$2,071
Rent
1979
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached94.6%
  • 1-unit attached5.4%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$598,200
Median rent$2,071
Owner-occupied97.6%
Vacant2.5%
Price-to-income3.9x
Est. income to buy$165,000