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Mount Savage CDP, MD

ZIP 21545 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 21545

Median Home Value
$111,300
Median Rent
$530
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$715/mo PITI).

11%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.5 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 21545 in Mount Savage CDP, MD, a household would need roughly $31,000 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 $715. That sits below the local median household income ($59,551), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.3%+18% vs US avg
x
Vacancy Rate
19.3%+87% vs US avg
x
Broadband Access
80.9%-7% vs US avg
x
4+ Bedrooms
3.6%-76% vs US avg
x
Built Pre-1939
8.6%-33% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
26.8%-46% vs US avg
x
Mortgage-Free
61.0%+60% vs US avg
x
$111,300
Home Value
$530
Rent
1942
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached89.1%
  • 1-unit attached1.9%
  • 2-9 units4.8%
  • 10+ units0.8%
  • Mobile home & other3.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$111,300
Median rent$530
Owner-occupied77.3%
Vacant19.3%
Price-to-income1.9x
Est. income to buy$31,000