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ZIP 21803
Housing & Real Estate

ZIP 21803 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 21803

Median Home Value

$203,300

Median Rent

$1,043

Affordability Snapshot

$56,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,306/mo PITI).

21%

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.

16.2 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 21803, a household would need roughly $56,000 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 $1,306. That is roughly in line with the local median household income ($59,526). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 18% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

37.8%-42% vs US avg

Vacancy Rate

18.0%+75% vs US avg

Broadband Access

88.4%+2% vs US avg

4+ Bedrooms

5.1%-66% vs US avg

Built Pre-1939

1.8%-86% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

7.0%-86% vs US avg

Mortgage-Free

28.1%-26% vs US avg

$203,300

Home Value

$1,043

Rent

1938

Year Built

2016

Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

1-unit detached55.2%
1-unit attached2.7%
2-9 units30.6%
10+ units11.5%
Mobile home & other0.0%

ZIP 21803 — Housing & Real Estate

Housing & Real Estate in ZIP Code 21803

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