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Moscow CDP, MD

ZIP 21521 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 21521

Median Home Value
$130,900
Median Rent
$600
Affordability Snapshot
$36,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$841/mo PITI).

10%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.2 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 21521 in Moscow CDP, MD, a household would need roughly $36,000 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 $841. That sits below the local median household income ($69,758), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
93.6%+43% vs US avg
x
Vacancy Rate
15.9%+55% vs US avg
x
Broadband Access
74.8%-14% vs US avg
x
4+ Bedrooms
7.0%-53% vs US avg
x
Built Pre-1939
9.4%-27% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
45.0%-9% vs US avg
x
Mortgage-Free
53.1%+39% vs US avg
x
$130,900
Home Value
$600
Rent
1965
Year Built
1996
Moved In

Residents have lived here since ~1996 on average

Housing Structure

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

  • 1-unit detached85.9%
  • 1-unit attached4.8%
  • 2-9 units2.4%
  • 10+ units0.7%
  • Mobile home & other6.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$130,900
Median rent$600
Owner-occupied93.6%
Vacant15.9%
Price-to-income1.9x
Est. income to buy$36,000