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Elkton town, MD

ZIP 21921 — 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 21921

Median Home Value
$296,000
Median Rent
$1,168
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).

17%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

21.1 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 21921 in Elkton town, 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 ($84,608). 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
68.3%+4% vs US avg
x
Vacancy Rate
6.9%-33% vs US avg
x
Broadband Access
90.0%+3% vs US avg
x
4+ Bedrooms
6.3%-58% vs US avg
x
Built Pre-1939
3.0%-76% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
22.5%-55% vs US avg
x
Mortgage-Free
30.7%-20% vs US avg
x
$296,000
Home Value
$1,168
Rent
1987
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached66.0%
  • 1-unit attached11.2%
  • 2-9 units12.0%
  • 10+ units6.0%
  • Mobile home & other4.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$296,000
Median rent$1,168
Owner-occupied68.3%
Vacant6.9%
Price-to-income3.5x
Est. income to buy$81,000