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Lochearn CDP, MD

ZIP 21207 — 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 21207

Median Home Value
$248,400
Median Rent
$1,244
Affordability Snapshot
$68,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,596/mo PITI).

23%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

16.6 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 21207 in Lochearn CDP, MD, a household would need roughly $68,000 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 $1,596. That is roughly in line with the local median household income ($64,284). 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
61.1%-7% vs US avg
x
Vacancy Rate
6.5%-37% vs US avg
x
Broadband Access
78.3%-10% vs US avg
x
4+ Bedrooms
5.1%-66% vs US avg
x
Built Pre-1939
9.3%-28% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
28.0%-44% vs US avg
x
Mortgage-Free
26.4%-31% vs US avg
x
$248,400
Home Value
$1,244
Rent
1959
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached50.5%
  • 1-unit attached20.8%
  • 2-9 units14.9%
  • 10+ units13.7%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$248,400
Median rent$1,244
Owner-occupied61.1%
Vacant6.5%
Price-to-income3.9x
Est. income to buy$68,000