Real Estate Investing in Tracys Landing, Maryland (20779)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Anne Arundel County • Population: 1,010 • Data updated: September 2026

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Should you buy in 20779 (Tracys Landing, MD)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (34/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • High vacancy: 15.8% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 29.9 — hard to cash-flow at these prices.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Tracys Landing, MD (20779)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $662,139
Avg Monthly Rent $1,845
1% Rule ✗ Does Not Meet
Median Income $109,931
% Renters 3.9%

Market Analysis: 20779 Tracys Landing

Not every below-median market is a bargain. Tracys Landing's 20779 ZIP registers signals that favor experienced operators who can absorb the risk $662K pricing implies.

The 20779 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

Nearby ZIPs in Tracys Landing have seen price recovery that 20779 has not matched. Anne Arundel County data supports the view that the spread is structural rather than temporary.

Who lives in 20779 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Strategy in 20779 is an operator game, not a passive one. Stepping back, entry prices of $662K are inviting, the management lift is real and non-optional.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Tracys Landing:

C Below Average
Buy Confidence Score: 58/100
Affordability
10/25
Appreciation
18/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6× the median income
Value Trend
Rising (+5.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,845/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
⚖️
BALANCED MARKET
Baltimore-Columbia-Towson, MD Metro Area
Even conditions for buyers and sellers
35 days
Average time to sell
Average
10.9%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Baltimore-Columbia-Towson, MD metro data

Market Trends

Home Value History (with trend line)

$690K$622K$555K$488K$420K$353KJul 2006Jul 2016Jul 2026

📊 How Does 20779 Compare?

Metric 20779 Tracys Landing Baltimore-Columbia-Towson, MD Maryland
Home Value $662,139 $662,139 N/A $424,997
5-Year CAGR 3.7% 3.7% N/A 4.9%
Avg Rent $1,845 $1,845 N/A -
Cap Rate 2.2% 2.2% - -
💡 Why Invest in 20779? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 20779 (Tracys Landing, MD). Anonymous, moderated, never written by AI.

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Property managers serving Anne Arundel County

Manage rentals here? List your business →

American Community Management provides community association management and HOA services across Maryland, Virginia, and D.C. summary from their website

HOA
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Annapolis Property Services offers property management for homes, apartments, and house rentals, including marketing, tenant screening, rent guarantee, and maintenance. summary from their website

Single-familySmall multifamily
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J&L Property Management offers back-office support for association needs, including self-managed, on-site, and portfolio-managed communities. summary from their website

HOA
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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
2.2%
Low
5yr Growth
+3.7%
Moderate

📊 Market Snapshot

Home Value $662,139
Monthly Rent $1,845
Price-to-Rent 29.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.3%
Cap Rate 2.2%
5-Year IRR 5.9%

📈 Home Appreciation

1-Year +5.1% ▲
3-Year CAGR +4.1% ▲
5-Year CAGR +3.7% ▲
10-Year CAGR +5.1% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.2%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
15.8%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+3.7%
Stable
Eviction process: Moderate Rent control: Moderate

Demographics in 20779

Population: 1,010

💰 Median Household Income
$109,931
This area
$109,931
State
$107,932
USA
$74,580
🏠 Renter Occupied
3.9%
This area
3.9%
State
23.8%
USA
34.0%
💼 Unemployment Rate
1.1%
This area
1.1%
State
-20.0%
USA
3.7%
🎓 College Educated
35.1%
This area
35.1%
State
10.6%
USA
33.7%
👤 Median Age
57.1 years
This area
57.1 years
State
1.9 years
USA
38.9 years
🏚️ Vacancy Rate
15.8%
This area
15.8%
State
11.4%
USA
10.5%
👥 Population by Ethnicity
White 96.2%
Black/African American 2.0%
Hispanic/Latino 1.1%
Other/Mixed 1.1%
Asian 0.7%
👶 Under 18
18.8%
This area
18.8%
USA
22.0%
👴 65 and Over
22.9%
This area
22.9%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 20779

A+ Avg School Grade
1 Schools
14.5:1 Avg Class Size
$19,959 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Traceys Elementary

📚 Pre-K – 05 Elementary
👥
446 Students
👨‍🏫
14.5:1 Class Size
💰
$19,959 Per Student

Nearby Schools (1 more)

Schools in adjacent ZIP codes that may serve this area

A Very Good

Deale Elementary

📚 K – 05 Elementary
📍 759 Masons Beach Rd, Deale
👥
181 Students
👨‍🏫
11.6:1 Class Size
💰
$19,959 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

Frequently Asked Questions

Is Tracys Landing in MD worth investing in?

Investors tracking Tracys Landing, MD will find a 3.0/5 rating supported by $662K median home values and $1,845/mo rents. That profile suits long-term holders targeting consistent returns.

What is the typical rental rate in Tracys Landing, MD?

Investors in Tracys Landing, MD typically see rents near $1,845/mo per month against $662K home values - a solid setup for rental cash flow.

What real estate strategy is ideal for Tracys Landing, MD?

Tracys Landing, MD investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($662K prices, $1,845/mo rents) make it a reasonable choice.

Does Tracys Landing, MD favor landlords or tenants?

Tracys Landing, MD operates under MD law, which is landlord-friendly overall for landlords. Expect even-keeled treatment in typical lease and eviction cases.

How quickly do rentals get leased in Tracys Landing, MD?

Vacancy risk in Tracys Landing, MD is elevated. That supports stable cash flow for typical rental holds.

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How 20779 ranks in Baltimore-Columbia-Towson, MD

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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