Real Estate Investing in Gambrills, Maryland (21054)
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Should you buy in 21054 (Gambrills, 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.
No major risk flags on the data we track.
What’s happening in Gambrills, MD (21054)?
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Market Analysis: 21054 Gambrills
ZIP 21054 in Gambrills, MD carries a sturdy set of headwinds. Home values near $617K and rents of $2,824/mo sit inside a market where underwriting has to be tight.
The investment case in 21054 is significant only for operators who understand what they are buying. A $617K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
The gap between 21054 and stronger Gambrills ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
The demographic picture in 21054 includes headwinds that any investor should price in. Income distribution skews lower than Gambrills averages, and tenant stability requires active management.
Experienced landlords with local relationships tend to find 21054 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 Gambrills:
Property Strategy for 21054
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $362,270 | $2,790 | 5.5% | +5.4% | $181,135 |
| 3BR | $550,945 | $3,540 | 4.6% | +5.7% | $183,648 |
| 4BR | $706,231 | $3,920 | 4.0% | +5.8% | $176,558 |
| 5BR | $950,952 | — | — | +6.6% | $190,190 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 21054 Compare?
| Metric | 21054 | Gambrills | Baltimore-Columbia-Towson, MD | Maryland |
|---|---|---|---|---|
| Home Value | $616,566 | $616,566 | N/A | $424,997 |
| 5-Year CAGR | 3.1% | 3.1% | N/A | 4.9% |
| Avg Rent | $2,824 | $2,824 | N/A | - |
| Cap Rate | 3.6% | 3.6% | - | - |
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 21054 (Gambrills, 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
Annapolis Property Services offers property management for homes, apartments, and house rentals, including marketing, tenant screening, rent guarantee, and maintenance. summary from their website
J&L Property Management offers back-office support for association needs, including self-managed, on-site, and portfolio-managed communities. 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 | $616,566 |
| Monthly Rent | $2,824 |
| Price-to-Rent | 18.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.5% |
| Cap Rate | 3.6% |
| 5-Year IRR | 6.7% |
📈 Home Appreciation
| 1-Year | +2.2% ▲ |
| 3-Year CAGR | +2.3% ▲ |
| 5-Year CAGR | +3.1% ▲ |
| 10-Year CAGR | +3.8% ▲ |
🏠 Rent Trends
| 1-Year | -6.2% ▼ |
| 3-Year CAGR | +0.6% ▲ |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.6%). 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 21054
Population: 15,412
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 21054
Schools in This ZIP Code
Nearby Schools (4 more)
Schools in adjacent ZIP codes that may serve this area
Crofton Elementary
Crofton Meadows Elementary
Crofton Woods Elementary
Nantucket Elementary
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 8,476 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Is it easy to find good tenants in Gambrills, MD?
Gambrills, MD draws a measured base of working renters. Demand at the $2,824/mo rent level is reasonable for standard single-family and small multi rentals.
Does Gambrills, MD favor landlords or tenants?
MD ranks as a landlord-friendly state for landlord-tenant law. Gambrills generally follows the statewide framework, so landlords face reasonable operating rules.
Is housing expensive in Gambrills, MD?
Homes in Gambrills, MD typically sell near $617K. Prices have moved at a 0.0% 5-year CAGR, which stable long-term demand.
Is Gambrills, MD a good market for FHA house hackers?
The a challenging house-hack environment in Gambrills, MD reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.
What is the investability score for Gambrills, MD?
Gambrills, MD rates 3.0/5 for investability. With median values at $617K and rents near $2,824/mo, the market offers reasonable fundamentals for rental investors.
You know 21054 now. You don’t know where it ranks.
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How 21054 ranks in Baltimore-Columbia-Towson, MD
Every ZIP in this metro, ranked. Free.
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