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, MD

ZIP 21738 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 21738

Median Home Value
$889,100
Median Rent
N/A
Affordability Snapshot
$245,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,711/mo PITI).

3.9x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 21738 in MD, a household would need roughly $245,000 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 $5,711. That is roughly in line with the local median household income ($230,429). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
98.6%+51% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
95.6%+10% vs US avg
x
4+ Bedrooms
32.3%+118% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
31.1%-19% vs US avg
x
$889,100
Home Value
N/A
Rent
1991
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached94.6%
  • 1-unit attached2.4%
  • 2-9 units0.0%
  • 10+ units3.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$889,100
Median rent$-666,666,666
Owner-occupied98.6%
Vacant0.0%
Price-to-income3.9x
Est. income to buy$245,000