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Garretts Mill CDP, MD

ZIP 21758 — 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 21758

Median Home Value
$388,200
Median Rent
$1,166
Affordability Snapshot
$107,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,494/mo PITI).

13%
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.

27.7 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 21758 in Garretts Mill CDP, MD, a household would need roughly $107,000 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 $2,494. That is roughly in line with the local median household income ($110,694). 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
88.1%+35% vs US avg
x
Vacancy Rate
4.3%-59% vs US avg
x
Broadband Access
78.7%-10% vs US avg
x
4+ Bedrooms
14.3%-3% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
4.2%-92% vs US avg
x
Mortgage-Free
32.4%-15% vs US avg
x
$388,200
Home Value
$1,166
Rent
1974
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached86.1%
  • 1-unit attached12.8%
  • 2-9 units1.1%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$388,200
Median rent$1,166
Owner-occupied88.1%
Vacant4.3%
Price-to-income3.5x
Est. income to buy$107,000