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Queen Anne town, MD

ZIP 21657 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 21657

Median Home Value
$354,400
Median Rent
$1,375
Affordability Snapshot
$98,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,277/mo PITI).

15%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

21.5 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 21657 in Queen Anne town, MD, a household would need roughly $98,000 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 $2,277. That is roughly in line with the local median household income ($106,588). 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
85.0%+30% vs US avg
x
Vacancy Rate
3.0%-70% vs US avg
x
Broadband Access
84.1%-3% vs US avg
x
4+ Bedrooms
14.7%-1% vs US avg
x
Built Pre-1939
6.6%-48% vs US avg
x
Built Post-2014
1.4%-79% vs US avg
x
Rent Burden >30%
21.0%-58% vs US avg
x
Mortgage-Free
45.0%+18% vs US avg
x
$354,400
Home Value
$1,375
Rent
1975
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached95.0%
  • 1-unit attached0.0%
  • 2-9 units2.5%
  • 10+ units0.2%
  • Mobile home & other2.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$354,400
Median rent$1,375
Owner-occupied85.0%
Vacant3.0%
Price-to-income3.3x
Est. income to buy$98,000