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Bryans Road CDP, MD

ZIP 20640 — 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 20640

Median Home Value
$307,900
Median Rent
$1,515
Affordability Snapshot
$85,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,978/mo PITI).

19%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

16.9 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 20640 in Bryans Road CDP, MD, a household would need roughly $85,000 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 $1,978. That sits below the local median household income ($95,560), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
78.7%+20% vs US avg
x
Vacancy Rate
7.0%-32% vs US avg
x
Broadband Access
87.8%+1% vs US avg
x
4+ Bedrooms
10.3%-30% vs US avg
x
Built Pre-1939
14.4%+12% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
24.3%-51% vs US avg
x
Mortgage-Free
26.4%-31% vs US avg
x
$307,900
Home Value
$1,515
Rent
1978
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 detached69.5%
  • 1-unit attached27.7%
  • 2-9 units0.1%
  • 10+ units1.0%
  • Mobile home & other1.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$307,900
Median rent$1,515
Owner-occupied78.7%
Vacant7.0%
Price-to-income3.2x
Est. income to buy$85,000