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Catonsville CDP, MD

ZIP 21228 — 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 21228

Median Home Value
$389,200
Median Rent
$1,454
Affordability Snapshot
$107,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,500/mo PITI).

16%
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.

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 21228 in Catonsville CDP, MD, a household would need roughly $107,000 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 $2,500. That is roughly in line with the local median household income ($107,714). 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
71.6%+9% vs US avg
x
Vacancy Rate
3.6%-65% vs US avg
x
Broadband Access
87.5%+1% vs US avg
x
4+ Bedrooms
7.2%-51% vs US avg
x
Built Pre-1939
4.7%-63% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
30.1%-39% vs US avg
x
Mortgage-Free
29.5%-23% vs US avg
x
$389,200
Home Value
$1,454
Rent
1969
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 detached54.0%
  • 1-unit attached16.6%
  • 2-9 units10.8%
  • 10+ units18.3%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$389,200
Median rent$1,454
Owner-occupied71.6%
Vacant3.6%
Price-to-income3.6x
Est. income to buy$107,000