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, MD

ZIP 21838 — 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 21838

Median Home Value
$179,200
Median Rent
$1,258
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,151/mo PITI).

18%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

11.9 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 21838 in MD, a household would need roughly $49,000 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 $1,151. That sits below the local median household income ($85,577), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
92.8%+42% vs US avg
x
Vacancy Rate
21.8%+111% vs US avg
x
Broadband Access
78.5%-10% vs US avg
x
4+ Bedrooms
3.2%-78% vs US avg
x
Built Pre-1939
6.8%-47% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
7.7%-85% vs US avg
x
Mortgage-Free
33.2%-13% vs US avg
x
$179,200
Home Value
$1,258
Rent
1977
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached90.8%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units1.7%
  • Mobile home & other7.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$179,200
Median rent$1,258
Owner-occupied92.8%
Vacant21.8%
Price-to-income2.1x
Est. income to buy$49,000