Real Estate Investing in Upperco, Maryland (21155)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 21155 (Upperco, 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: 10.6% vacancy may signal weakening demand.
- High price-to-rent: Price-to-rent ratio 28.5 — 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 Upperco, MD (21155)?
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Market Analysis: 21155 Upperco
ZIP 21155 inside Baltimore County looks affordable on the surface — median value of $545K — but the discount exists for reasons that a careful buyer should understand before committing.
On balance, the numbers look inviting — $545K purchase price, 0.0% nominal cap — the work to hit that pro forma in 21155 is substantial and deserves full respect.
Nearby ZIPs in Upperco have seen price recovery that 21155 has not matched. Baltimore County data supports the view that the spread is structural rather than temporary.
The demographic picture in 21155 includes headwinds that any investor should price in. Income distribution skews lower than Upperco averages, and tenant stability requires active management.
Experienced landlords with local relationships tend to find 21155 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 Upperco:
Market Trends
Home Value History (with trend line)
📊 How Does 21155 Compare?
| Metric | 21155 | Upperco | Baltimore-Columbia-Towson, MD | Maryland |
|---|---|---|---|---|
| Home Value | $545,493 | $545,493 | N/A | $424,997 |
| 5-Year CAGR | 3.8% | 3.8% | N/A | 4.9% |
| Avg Rent | $1,593 | $1,593 | N/A | - |
| Cap Rate | 2.3% | 2.3% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 21155 (Upperco, MD). Anonymous, moderated, never written by AI.
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Property managers serving Baltimore 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
Melan Property Management delivers proactive property management solutions for multifamily and commercial real estate across Maryland, Washington D.C., and Miami. summary from their website
Tidewater Property Management, Inc. is a family-owned company in the Mid-Atlantic providing full-service HOA, condo, and rental property management for single-family and multifamily properties. 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 | $545,493 |
| Monthly Rent | $1,593 |
| Price-to-Rent | 28.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.5% |
| Cap Rate | 2.3% |
| 5-Year IRR | 6.1% |
📈 Home Appreciation
| 1-Year | +4.5% ▲ |
| 3-Year CAGR | +3.6% ▲ |
| 5-Year CAGR | +3.8% ▲ |
| 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 (2.3%). 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.
Demographics in 21155
Population: 3,124
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 21155
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
Frequently Asked Questions
What kind of market is Upperco, MD for investors?
Investors tracking Upperco, MD will find a 3.0/5 rating supported by $545K median home values and $1,593/mo rents. That profile suits long-term holders targeting stable returns.
Is housing expensive in Upperco, MD?
Upperco, MD home values average about $545K. That price point suits investors targeting rentals with $1,593/mo in monthly income.
How much do tenants pay in Upperco, MD?
Expect rents around $1,593/mo per month in Upperco, MD. With home values at $545K, the yield math works out to reasonable levels for rental investors.
Do rentals sit vacant long in Upperco, MD?
Expect elevated vacancy in Upperco, MD. Rents at $1,593/mo are absorbed by the tenant base without meaningful lag.
What is the smart move for investors in Upperco, MD?
Most investors in Upperco, MD run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.
You know 21155 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 21155 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 21155 ranks in Baltimore-Columbia-Towson, MD
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