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Charlestown town, MD

ZIP 21914 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 21914

Median Home Value
$300,600
Median Rent
$1,240
Affordability Snapshot
$83,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,931/mo PITI).

26%
Rent-to-Income Ratio

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

5.3x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

20.2 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 21914 in Charlestown town, MD, a household would need roughly $83,000 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 $1,931. That is about 45% above the local median household income ($57,167), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
72.3%+11% vs US avg
x
Vacancy Rate
11.2%+8% vs US avg
x
Broadband Access
73.4%-16% vs US avg
x
4+ Bedrooms
5.1%-66% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
43.3%-13% vs US avg
x
Mortgage-Free
49.0%+28% vs US avg
x
$300,600
Home Value
$1,240
Rent
1957
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached84.8%
  • 1-unit attached3.3%
  • 2-9 units11.9%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$300,600
Median rent$1,240
Owner-occupied72.3%
Vacant11.2%
Price-to-income5.3x
Est. income to buy$83,000