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Arbutus CDP, MD

ZIP 21227 — 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 21227

Median Home Value
$272,400
Median Rent
$1,154
Affordability Snapshot
$75,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,750/mo PITI).

17%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

19.7 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 21227 in Arbutus CDP, MD, a household would need roughly $75,000 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 $1,750. That sits below the local median household income ($83,620), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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
66.5%+2% vs US avg
x
Vacancy Rate
4.0%-61% vs US avg
x
Broadband Access
85.5%-2% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
9.3%-27% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
17.3%-65% vs US avg
x
Mortgage-Free
28.3%-26% vs US avg
x
$272,400
Home Value
$1,154
Rent
1958
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 detached45.1%
  • 1-unit attached39.5%
  • 2-9 units6.3%
  • 10+ units9.0%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$272,400
Median rent$1,154
Owner-occupied66.5%
Vacant4.0%
Price-to-income3.3x
Est. income to buy$75,000