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Severna Park CDP, MD

ZIP 21146 — 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 21146

Median Home Value
$643,600
Median Rent
$1,475
Affordability Snapshot
$177,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,134/mo PITI).

10%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

36.4 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 21146 in Severna Park CDP, MD, a household would need roughly $177,000 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 $4,134. That is roughly in line with the local median household income ($169,835). 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
88.8%+36% vs US avg
x
Vacancy Rate
4.3%-59% vs US avg
x
Broadband Access
95.0%+9% vs US avg
x
4+ Bedrooms
17.1%+15% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
18.3%-63% vs US avg
x
Mortgage-Free
25.9%-32% vs US avg
x
$643,600
Home Value
$1,475
Rent
1976
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached92.1%
  • 1-unit attached1.9%
  • 2-9 units1.1%
  • 10+ units4.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$643,600
Median rent$1,475
Owner-occupied88.8%
Vacant4.3%
Price-to-income3.8x
Est. income to buy$177,000