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Middle River CDP, MD

ZIP 21220 — 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 21220

Median Home Value
$279,900
Median Rent
$1,373
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,798/mo PITI).

21%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

17.0 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 21220 in Middle River CDP, MD, a household would need roughly $77,000 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 $1,798. That is roughly in line with the local median household income ($79,676). 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
68.5%+5% vs US avg
x
Vacancy Rate
9.7%-6% vs US avg
x
Broadband Access
92.8%+7% vs US avg
x
4+ Bedrooms
2.9%-80% vs US avg
x
Built Pre-1939
12.7%-1% vs US avg
x
Built Post-2014
1.6%-78% vs US avg
x
Rent Burden >30%
33.5%-33% vs US avg
x
Mortgage-Free
34.9%-9% vs US avg
x
$279,900
Home Value
$1,373
Rent
1982
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached46.9%
  • 1-unit attached28.9%
  • 2-9 units6.2%
  • 10+ units10.6%
  • Mobile home & other7.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$279,900
Median rent$1,373
Owner-occupied68.5%
Vacant9.7%
Price-to-income3.5x
Est. income to buy$77,000