Real Estate Investing in Aberdeen, Maryland (21001)

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

Harford County • Population: 26,121 • Data updated: September 2026

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Should you buy in 21001 (Aberdeen, MD)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (72/100)

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Aberdeen, MD (21001)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $350,021
Avg Monthly Rent $1,937
1% Rule ✗ Does Not Meet
Median Income $76,250
% Renters 33.5%

Market Analysis: 21001 Aberdeen

ZIP 21001 in Aberdeen, MD carries a notable set of headwinds. Home values near $350K and rents of $1,937/mo sit inside a market where underwriting has to be tight.

Rent of $1,937/mo on a $350K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 21001 sits below the stated 0.0% once reality is priced in.

Within MD, ZIP 21001 trails on several market indicators that neighboring Harford County submarkets outperform. The gap is real and robust enough to shape underwriting.

Demographically, 21001 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

Strategically, 21001 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

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 Aberdeen:

C+ Average
Buy Confidence Score: 64/100
Affordability
10/25
Appreciation
18/25
Stability
13/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.6× the median income
Value Trend
Rising (+3.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,937/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
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
🏠

Property Strategy for 21001

Which property type performs best in this market?

Best for Cash Flow
2BR
5.8% cap rate
Best for Appreciation
2BR
+8.0% 5yr CAGR
Best Overall Value
5BR
$104,785/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $219,645 $1,770 5.8% +8.0% $109,822
3BR $327,190 $2,280 5.0% +6.8% $109,063
4BR $423,952 $2,550 4.3% +6.0% $105,988
5BR $523,926 +6.3% $104,785

Market Trends

Home Value History (with trend line)

$364K$329K$295K$261K$227K$193KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$1,970$1,874$1,779$1,683$1,587$1,491Jan 2022May 2024Jul 2026

📊 How Does 21001 Compare?

Metric 21001 Aberdeen Baltimore-Columbia-Towson, MD Maryland
Home Value $350,021 $350,021 N/A $424,997
5-Year CAGR 4.3% 4.3% N/A 4.9%
Avg Rent $1,937 $1,937 N/A -
Cap Rate 4.3% 4.3% - -
💡 Why Invest in 21001? Click to expand

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

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 21001 (Aberdeen, MD). Anonymous, moderated, never written by AI.

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Property managers serving Harford County

Manage rentals here? List your business →

MRA Property Management, Inc. serves communities by providing property management services for associations. summary from their website

HOA
Unclaimed — is this your business? Claim it free

Chesapeake Property Management, Inc. offers full-service property management and real estate services in the Baltimore Metro Area and specific Maryland counties since 1997. summary from their website

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Scott Property Management provides property management services. summary from their website

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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
4.3%
Fair
5yr Growth
+4.3%
Moderate

📊 Market Snapshot

Home Value $350,021
Monthly Rent $1,937
Price-to-Rent 15.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.6%
Cap Rate 4.3%
5-Year IRR 8.6%

📈 Home Appreciation

1-Year +3.4% ▲
3-Year CAGR +2.7% ▲
5-Year CAGR +4.3% ▲
10-Year CAGR +5.1% ▲

🏠 Rent Trends

1-Year +7.4% ▲
3-Year CAGR +4.7% ▲
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.3%). 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
4.9%
Low risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+4.3%
Stable
Eviction process: Moderate Rent control: Moderate

Demographics in 21001

Population: 26,121

💰 Median Household Income
$76,250
This area
$76,250
State
$107,932
USA
$74,580
🏠 Renter Occupied
33.5%
This area
33.5%
State
23.8%
USA
34.0%
💼 Unemployment Rate
3.2%
This area
3.2%
State
-20.0%
USA
3.7%
🎓 College Educated
29.0%
This area
29.0%
State
10.6%
USA
33.7%
👤 Median Age
35.8 years
This area
35.8 years
State
1.9 years
USA
38.9 years
🏚️ Vacancy Rate
4.9%
This area
4.9%
State
11.4%
USA
10.5%
👥 Population by Ethnicity
White 61.1%
Black/African American 24.0%
Other/Mixed 11.3%
Hispanic/Latino 7.1%
Asian 3.5%
👶 Under 18
22.9%
This area
22.9%
USA
22.0%
👴 65 and Over
15.5%
This area
15.5%
USA
17.3%
📊 Poverty Rate
9.5%
This area
9.5%
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 21001

A Avg School Grade
7 Schools
11.3:1 Avg Class Size
$16,969 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Halls Cross Roads Elementary

📚 Pre-K – 05 Elementary
👥
443 Students
👨‍🏫
11.2:1 Class Size
💰
$16,969 Per Student
A Very Good

Swan Creek School

📚 02 – 12 High School
👥
402 Students
👨‍🏫
9.8:1 Class Size
💰
$16,969 Per Student
A Very Good

Bakerfield Elementary

📚 Pre-K – 05 Elementary
👥
452 Students
👨‍🏫
12.7:1 Class Size
💰
$16,969 Per Student
A Very Good

G. Lisby Elementary at Hillsdale

📚 Pre-K – 05 Elementary
👥
516 Students
👨‍🏫
13.9:1 Class Size
💰
$16,969 Per Student
B+ Above Average

Aberdeen High

📚 09 – 12 High School
👥
1,465 Students
👨‍🏫
15.0:1 Class Size
💰
$16,969 Per Student
B+ Above Average

Aberdeen Middle

📚 06 – 08 Middle
👥
1,058 Students
👨‍🏫
12.0:1 Class Size
💰
$16,969 Per Student
B Good

Center for Educational Opportunity

📚 06 – 12 High School
👥
87 Students
👨‍🏫
4.6:1 Class Size
💰
$16,969 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.

🎓 Nearby Colleges & Universities

2 Nearby 1,639 Off-Campus Students
C
Harford Community College
5,108 students · 5.5 mi
C
Aveda Institute-Maryland
84 students · 8.0 mi

Investor Insight: With 1,639 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How does Aberdeen, MD stack up for property investment?

Yes - Aberdeen, MD a 3.0/5 investability score. With $350K home prices against $1,937/mo monthly rent, the market delivers a reasonable entry point for new investors.

How much does a house cost in Aberdeen, MD?

Homes in Aberdeen, MD typically sell near $350K. Prices have moved at a 0.0% 5-year CAGR, which consistent long-term demand.

How quickly do rentals get leased in Aberdeen, MD?

Vacancy risk in Aberdeen, MD is elevated. That supports consistent cash flow for typical rental holds.

Is Aberdeen, MD a good market for FHA house hackers?

Aberdeen, MD offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,937/mo rent level.

Is Aberdeen, MD better for rentals, flips, or BRRRR?

For Aberdeen, MD, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

You know 21001 now. You don’t know where it ranks.

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How 21001 ranks in Baltimore-Columbia-Towson, MD

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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