ZIP 21704 — Housing & Real Estate

To comfortably buy a median-priced home in ZIP 21704 in Urbana CDP, MD, a household would need roughly $161,000 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 $3,764. That is roughly in line with the local median household income ($164,457). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.