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Urbana CDP, MD

ZIP 21754 — 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 21754

Median Home Value
$619,700
Median Rent
$1,372
Affordability Snapshot
$171,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,981/mo PITI).

9%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

37.6 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 21754 in Urbana CDP, MD, a household would need roughly $171,000 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 $3,981. That is roughly in line with the local median household income ($179,797). 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
95.7%+46% vs US avg
x
Vacancy Rate
0.8%-92% vs US avg
x
Broadband Access
95.6%+10% vs US avg
x
4+ Bedrooms
17.1%+15% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
1.2%-83% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
32.4%-15% vs US avg
x
$619,700
Home Value
$1,372
Rent
1989
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 detached91.0%
  • 1-unit attached6.9%
  • 2-9 units1.8%
  • 10+ units0.3%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$619,700
Median rent$1,372
Owner-occupied95.7%
Vacant0.8%
Price-to-income3.4x
Est. income to buy$171,000