US5.com
  1. Home
  2. States
  3. Maryland
  4. ZIP 20778
  5. Housing & Real Estate
Shady Side CDP, MD

ZIP 20778 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 20778

Median Home Value
$718,100
Median Rent
N/A
Affordability Snapshot
$198,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,613/mo PITI).

4.1x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 20778 in Shady Side CDP, MD, a household would need roughly $198,000 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 $4,613. That is roughly in line with the local median household income ($177,083). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
98.2%+50% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
93.8%+8% vs US avg
x
4+ Bedrooms
21.1%+43% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
30.0%-21% vs US avg
x
$718,100
Home Value
N/A
Rent
1991
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached100.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$718,100
Median rent$-666,666,666
Owner-occupied98.2%
Vacant0.0%
Price-to-income4.1x
Est. income to buy$198,000