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Mercersville CDP, MD

ZIP 21782 — 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 21782

Median Home Value
$295,900
Median Rent
$857
Affordability Snapshot
$81,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,901/mo PITI).

12%
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.

28.8 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 21782 in Mercersville CDP, MD, a household would need roughly $81,000 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 $1,901. That is roughly in line with the local median household income ($89,375). 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
80.8%+24% vs US avg
x
Vacancy Rate
4.2%-60% vs US avg
x
Broadband Access
84.7%-3% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
0.2%-99% vs US avg
x
Built Post-2014
1.2%-83% vs US avg
x
Rent Burden >30%
2.3%-95% vs US avg
x
Mortgage-Free
33.0%-13% vs US avg
x
$295,900
Home Value
$857
Rent
1978
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 detached90.7%
  • 1-unit attached3.0%
  • 2-9 units3.3%
  • 10+ units0.1%
  • Mobile home & other2.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$295,900
Median rent$857
Owner-occupied80.8%
Vacant4.2%
Price-to-income3.3x
Est. income to buy$81,000