Real Estate Investing in Churchville, Maryland (21028)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 21028 (Churchville, MD)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Elevated vacancy: 10.3% vacancy may signal weakening demand.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Churchville, MD (21028)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 21028 Churchville
ZIP 21028 inside Harford County looks affordable on the surface — median value of $552K — but the discount exists for reasons that a careful buyer should understand before committing.
Rent of $1,872/mo on a $552K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 21028 sits below the stated 0.0% once reality is priced in.
Within MD, ZIP 21028 trails on several market indicators that neighboring Harford County submarkets outperform. The gap is real and impressive enough to shape underwriting.
The demographic picture in 21028 includes headwinds that any investor should price in. Income distribution skews lower than Churchville averages, and tenant stability requires active management.
Experienced landlords with local relationships tend to find 21028 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Churchville:
Property Strategy for 21028
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 3BR | $442,109 | $2,680 | 4.4% | +6.6% | $147,370 |
| 4BR | $620,496 | $2,990 | 3.5% | +6.2% | $155,124 |
Market Trends
Home Value History (with trend line)
📊 How Does 21028 Compare?
| Metric | 21028 | Churchville | Baltimore-Columbia-Towson, MD | Maryland |
|---|---|---|---|---|
| Home Value | $552,043 | $552,043 | N/A | $424,997 |
| 5-Year CAGR | 4.2% | 4.2% | N/A | 4.9% |
| Avg Rent | $1,872 | $1,872 | N/A | - |
| Cap Rate | 2.7% | 2.7% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 21028 (Churchville, 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
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
Scott Property Management provides property management services. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $552,043 |
| Monthly Rent | $1,872 |
| Price-to-Rent | 24.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.1% |
| Cap Rate | 2.7% |
| 5-Year IRR | 6.9% |
📈 Home Appreciation
| 1-Year | +5.6% ▲ |
| 3-Year CAGR | +3.8% ▲ |
| 5-Year CAGR | +4.2% ▲ |
| 10-Year CAGR | +4.6% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.7%). 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.
Demographics in 21028
Population: 2,872
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 21028
Schools in This ZIP Code
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
Investor Insight: With 1,639 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Are tenants stable in Churchville, MD?
Churchville, MD draws a measured base of working renters. Demand at the $1,872/mo rent level is reasonable for standard single-family and small multi rentals.
What is the rental occupancy rate in Churchville, MD?
Occupancy in Churchville, MD runs reliable with elevated vacancy. Well-priced units at $1,872/mo lease on reasonable timelines.
What is the median home value in Churchville, MD?
Typical homes in Churchville, MD go for around $552K. The 5-year CAGR of 0.0% steady price movement.
Is Churchville, MD good for landlords?
For rental operators, Churchville, MD rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.
Which real estate strategy fits Churchville, MD?
The best-fit strategy in Churchville, MD is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.
You know 21028 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 21028 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 21028 ranks in Baltimore-Columbia-Towson, MD
Every ZIP in this metro, ranked. Free.
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