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, MD

ZIP 21778 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 21778

Median Home Value
$415,700
Median Rent
N/A
Affordability Snapshot
$114,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,670/mo PITI).

3.8x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 21778 in MD, a household would need roughly $114,000 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 $2,670. That is roughly in line with the local median household income ($110,489). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
95.2%+46% vs US avg
x
Vacancy Rate
8.8%-14% vs US avg
x
Broadband Access
55.0%-37% vs US avg
x
4+ Bedrooms
8.8%-40% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
35.6%-7% vs US avg
x
$415,700
Home Value
N/A
Rent
1970
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached92.8%
  • 1-unit attached6.3%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$415,700
Median rent$-666,666,666
Owner-occupied95.2%
Vacant8.8%
Price-to-income3.8x
Est. income to buy$114,000