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Eldersburg CDP, MD

ZIP 21104 — 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 21104

Median Home Value
$659,700
Median Rent
N/A
Affordability Snapshot
$182,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,238/mo PITI).

3.3x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 21104 in Eldersburg CDP, MD, a household would need roughly $182,000 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 $4,238. That is roughly in line with the local median household income ($199,803). 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
96.9%+48% vs US avg
x
Vacancy Rate
2.7%-74% vs US avg
x
Broadband Access
96.8%+11% vs US avg
x
4+ Bedrooms
17.8%+20% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
30.5%-39% vs US avg
x
Mortgage-Free
26.0%-32% vs US avg
x
$659,700
Home Value
N/A
Rent
1994
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 detached87.8%
  • 1-unit attached9.5%
  • 2-9 units0.0%
  • 10+ units2.7%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$659,700
Median rent$-666,666,666
Owner-occupied96.9%
Vacant2.7%
Price-to-income3.3x
Est. income to buy$182,000