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Severn CDP, MD

ZIP 21144 — 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 21144

Median Home Value
$468,400
Median Rent
$1,749
Affordability Snapshot
$129,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,009/mo PITI).

16%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

22.3 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 21144 in Severn CDP, MD, a household would need roughly $129,000 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 $3,009. That is roughly in line with the local median household income ($132,820). 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
81.3%+24% vs US avg
x
Vacancy Rate
3.8%-63% vs US avg
x
Broadband Access
96.2%+11% vs US avg
x
4+ Bedrooms
7.8%-48% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
23.9%-52% vs US avg
x
Mortgage-Free
24.4%-36% vs US avg
x
$468,400
Home Value
$1,749
Rent
1992
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached64.7%
  • 1-unit attached30.8%
  • 2-9 units1.6%
  • 10+ units0.4%
  • Mobile home & other2.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$468,400
Median rent$1,749
Owner-occupied81.3%
Vacant3.8%
Price-to-income3.5x
Est. income to buy$129,000