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Cape St. Claire CDP, MD

ZIP 21409 — 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 21409

Median Home Value
$499,700
Median Rent
$1,787
Affordability Snapshot
$138,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,210/mo PITI).

15%
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.

23.3 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 21409 in Cape St. Claire CDP, MD, a household would need roughly $138,000 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 $3,210. That is roughly in line with the local median household income ($146,667). 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
90.4%+38% vs US avg
x
Vacancy Rate
3.7%-64% vs US avg
x
Broadband Access
97.5%+12% vs US avg
x
4+ Bedrooms
10.1%-32% vs US avg
x
Built Pre-1939
1.6%-88% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
9.0%-82% vs US avg
x
Mortgage-Free
26.3%-31% vs US avg
x
$499,700
Home Value
$1,787
Rent
1981
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached73.5%
  • 1-unit attached21.0%
  • 2-9 units0.6%
  • 10+ units4.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$499,700
Median rent$1,787
Owner-occupied90.4%
Vacant3.7%
Price-to-income3.4x
Est. income to buy$138,000