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Thurmont town, MD

ZIP 21788 — 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 21788

Median Home Value
$342,700
Median Rent
$906
Affordability Snapshot
$94,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,201/mo PITI).

12%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

31.5 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 21788 in Thurmont town, MD, a household would need roughly $94,000 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 $2,201. That is roughly in line with the local median household income ($93,717). 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
81.6%+25% vs US avg
x
Vacancy Rate
5.5%-47% vs US avg
x
Broadband Access
87.8%+1% vs US avg
x
4+ Bedrooms
4.2%-72% vs US avg
x
Built Pre-1939
4.9%-62% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
28.9%-42% vs US avg
x
Mortgage-Free
35.0%-8% vs US avg
x
$342,700
Home Value
$906
Rent
1978
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached77.9%
  • 1-unit attached7.5%
  • 2-9 units7.3%
  • 10+ units6.0%
  • Mobile home & other1.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$342,700
Median rent$906
Owner-occupied81.6%
Vacant5.5%
Price-to-income3.7x
Est. income to buy$94,000