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Swanton CDP, MD

ZIP 21561 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 21561

Median Home Value
$288,800
Median Rent
N/A
Affordability Snapshot
$79,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,855/mo PITI).

4.0x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 21561 in Swanton CDP, MD, a household would need roughly $79,000 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 $1,855. That is roughly in line with the local median household income ($71,964). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 52% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
91.4%+40% vs US avg
x
Vacancy Rate
52.3%+407% vs US avg
x
Broadband Access
85.0%-2% vs US avg
x
4+ Bedrooms
13.5%-9% vs US avg
x
Built Pre-1939
4.4%-66% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
47.1%+23% vs US avg
x
$288,800
Home Value
N/A
Rent
1985
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached87.5%
  • 1-unit attached1.2%
  • 2-9 units0.3%
  • 10+ units0.0%
  • Mobile home & other11.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$288,800
Median rent$-666,666,666
Owner-occupied91.4%
Vacant52.3%
Price-to-income4.0x
Est. income to buy$79,000