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Henderson town, MD

ZIP 21640 — 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 21640

Median Home Value
$260,200
Median Rent
$925
Affordability Snapshot
$72,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,671/mo PITI).

17%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

23.4 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 21640 in Henderson town, MD, a household would need roughly $72,000 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 $1,671. That is roughly in line with the local median household income ($65,952). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
96.0%+47% vs US avg
x
Vacancy Rate
3.3%-68% vs US avg
x
Broadband Access
82.0%-6% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
1.8%-86% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.1%-62% vs US avg
x
Mortgage-Free
63.9%+67% vs US avg
x
$260,200
Home Value
$925
Rent
1986
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 detached55.9%
  • 1-unit attached0.0%
  • 2-9 units0.7%
  • 10+ units0.0%
  • Mobile home & other43.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$260,200
Median rent$925
Owner-occupied96.0%
Vacant3.3%
Price-to-income3.9x
Est. income to buy$72,000