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Lonaconing town, MD

ZIP 21539 — 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 21539

Median Home Value
$108,700
Median Rent
$618
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$698/mo PITI).

14%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.7 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 21539 in Lonaconing town, MD, a household would need roughly $30,000 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 $698. That sits below the local median household income ($51,667), 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 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.4%+6% vs US avg
x
Vacancy Rate
24.2%+135% vs US avg
x
Broadband Access
85.5%-2% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
4.7%-64% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
17.7%-64% vs US avg
x
Mortgage-Free
57.9%+52% vs US avg
x
$108,700
Home Value
$618
Rent
1954
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached69.6%
  • 1-unit attached10.1%
  • 2-9 units13.5%
  • 10+ units1.9%
  • Mobile home & other4.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$108,700
Median rent$618
Owner-occupied69.4%
Vacant24.2%
Price-to-income2.1x
Est. income to buy$30,000