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Summerfield CDP, MD

ZIP 20785 — 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 20785

Median Home Value
$346,000
Median Rent
$1,557
Affordability Snapshot
$95,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,223/mo PITI).

22%
Rent-to-Income Ratio

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

4.1x
Home Price-to-Income Ratio

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

18.5 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 20785 in Summerfield CDP, MD, a household would need roughly $95,000 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 $2,223. That is roughly in line with the local median household income ($83,690). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
50.1%-23% vs US avg
x
Vacancy Rate
4.5%-56% vs US avg
x
Broadband Access
93.7%+8% vs US avg
x
4+ Bedrooms
3.4%-77% vs US avg
x
Built Pre-1939
7.9%-38% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
25.7%-48% vs US avg
x
Mortgage-Free
27.0%-29% vs US avg
x
$346,000
Home Value
$1,557
Rent
1976
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 detached30.8%
  • 1-unit attached33.4%
  • 2-9 units9.8%
  • 10+ units26.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$346,000
Median rent$1,557
Owner-occupied50.1%
Vacant4.5%
Price-to-income4.1x
Est. income to buy$95,000