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Galena town, MD

ZIP 21635 — 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 21635

Median Home Value
$387,600
Median Rent
$716
Affordability Snapshot
$107,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,490/mo PITI).

9%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

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

45.1 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 21635 in Galena town, MD, a household would need roughly $107,000 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 $2,490. That is roughly in line with the local median household income ($97,194). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.5%+19% vs US avg
x
Vacancy Rate
15.0%+45% vs US avg
x
Broadband Access
88.4%+2% vs US avg
x
4+ Bedrooms
19.8%+33% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
6.0%-88% vs US avg
x
Mortgage-Free
33.1%-13% vs US avg
x
$387,600
Home Value
$716
Rent
1984
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 detached85.4%
  • 1-unit attached4.6%
  • 2-9 units0.6%
  • 10+ units5.1%
  • Mobile home & other4.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$387,600
Median rent$716
Owner-occupied77.5%
Vacant15.0%
Price-to-income4.0x
Est. income to buy$107,000