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ZIP 21802 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2016–2020 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 21802

Median Home Value
$198,400
Median Rent
$812
Affordability Snapshot
$55,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,274/mo PITI).

16%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

20.4 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 21802, a household would need roughly $55,000 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 $1,274. That sits below the local median household income ($62,383), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
33.0%-50% vs US avg
x
Vacancy Rate
13.4%+31% vs US avg
x
Broadband Access
91.0%+5% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
11.0%-14% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
28.9%-42% vs US avg
x
Mortgage-Free
13.9%-64% vs US avg
x
$198,400
Home Value
$812
Rent
1963
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached64.7%
  • 1-unit attached11.7%
  • 2-9 units12.9%
  • 10+ units8.6%
  • Mobile home & other2.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$198,400
Median rent$812
Owner-occupied33.0%
Vacant13.4%
Price-to-income3.2x
Est. income to buy$55,000