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Finzel CDP, MD

ZIP 21532 — 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 21532

Median Home Value
$175,600
Median Rent
$639
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,128/mo PITI).

13%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.9 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 21532 in Finzel CDP, MD, a household would need roughly $48,000 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 $1,128. That sits below the local median household income ($60,158), 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

Vacancy rate 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.1%+1% vs US avg
x
Vacancy Rate
13.8%+34% vs US avg
x
Broadband Access
85.7%-1% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
7.3%-43% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
18.8%-62% vs US avg
x
Mortgage-Free
38.4%+0% vs US avg
x
$175,600
Home Value
$639
Rent
1962
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 detached70.5%
  • 1-unit attached3.5%
  • 2-9 units14.6%
  • 10+ units7.5%
  • Mobile home & other4.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$175,600
Median rent$639
Owner-occupied66.1%
Vacant13.8%
Price-to-income2.9x
Est. income to buy$48,000