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Ballenger Creek CDP, MD

ZIP 21703 — 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 21703

Median Home Value
$364,300
Median Rent
$1,727
Affordability Snapshot
$100,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,340/mo PITI).

20%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

17.6 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 21703 in Ballenger Creek CDP, MD, a household would need roughly $100,000 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 $2,340. That is roughly in line with the local median household income ($105,293). 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
68.5%+5% vs US avg
x
Vacancy Rate
3.4%-67% vs US avg
x
Broadband Access
93.5%+7% vs US avg
x
4+ Bedrooms
4.4%-70% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
2.9%-58% vs US avg
x
Rent Burden >30%
23.6%-53% vs US avg
x
Mortgage-Free
20.3%-47% vs US avg
x
$364,300
Home Value
$1,727
Rent
1995
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached32.2%
  • 1-unit attached42.6%
  • 2-9 units6.2%
  • 10+ units17.8%
  • Mobile home & other1.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$364,300
Median rent$1,727
Owner-occupied68.5%
Vacant3.4%
Price-to-income3.5x
Est. income to buy$100,000