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Friendsville town, MD

ZIP 21531 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 21531

Median Home Value
$169,500
Median Rent
$438
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,089/mo PITI).

10%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

32.2 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 21531 in Friendsville town, MD, a household would need roughly $47,000 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 $1,089. That sits below the local median household income ($53,750), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.9%+30% vs US avg
x
Vacancy Rate
20.7%+101% vs US avg
x
Broadband Access
83.9%-4% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
3.0%-76% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
7.2%-85% vs US avg
x
Mortgage-Free
51.1%+34% vs US avg
x
$169,500
Home Value
$438
Rent
1981
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached81.7%
  • 1-unit attached0.4%
  • 2-9 units1.2%
  • 10+ units1.9%
  • Mobile home & other14.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$169,500
Median rent$438
Owner-occupied84.9%
Vacant20.7%
Price-to-income3.2x
Est. income to buy$47,000