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Union Bridge town, MD

ZIP 21791 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 21791

Median Home Value
$370,300
Median Rent
$1,005
Affordability Snapshot
$102,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,379/mo PITI).

13%
Rent-to-Income Ratio

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

4.1x
Home Price-to-Income Ratio

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

30.7 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 21791 in Union Bridge town, MD, a household would need roughly $102,000 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 $2,379. That is roughly in line with the local median household income ($90,460). 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
83.6%+28% vs US avg
x
Vacancy Rate
5.6%-46% vs US avg
x
Broadband Access
86.4%-1% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
6.3%-51% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
18.0%-64% vs US avg
x
Mortgage-Free
25.8%-32% vs US avg
x
$370,300
Home Value
$1,005
Rent
1964
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 detached91.8%
  • 1-unit attached1.9%
  • 2-9 units5.8%
  • 10+ units0.0%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$370,300
Median rent$1,005
Owner-occupied83.6%
Vacant5.6%
Price-to-income4.1x
Est. income to buy$102,000