Real Estate Investing in Bozman, Maryland (21612)

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

Talbot County • Population: 446 • Data updated: September 2026

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Should you buy in 21612 (Bozman, MD)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (41/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 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: 42.9% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 61.9 — hard to cash-flow at these prices.

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Bozman, MD (21612)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $942,844
Avg Monthly Rent $1,269
1% Rule ✗ Does Not Meet
Median Income $110,778
% Renters 2.3%

Market Analysis: 21612 Bozman

ZIP 21612 inside Talbot County looks affordable on the surface — median value of $943K — but the discount exists for reasons that a careful buyer should understand before committing.

Distressed markets are won on execution, not on spreadsheets. ZIP 21612 reports the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Statewide comparisons place 21612 among MD's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

Demographically, 21612 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.

Experienced landlords with local relationships tend to find 21612 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

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 Bozman:

C Below Average
Buy Confidence Score: 50/100
Affordability
0/25
Appreciation
22/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 8.5× the median income
Value Trend
Rising (+4.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,269/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
☀️
WARM MARKET
Easton, MD Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.3%
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 Easton, MD metro data

Market Trends

Home Value History (with trend line)

$979K$874K$770K$665K$560K$456KJul 2006Jul 2016Jul 2026

📊 How Does 21612 Compare?

Metric 21612 Bozman Easton, MD Maryland
Home Value $942,844 $771,373 N/A $424,997
5-Year CAGR 5.1% 5.1% N/A 4.9%
Avg Rent $1,269 $1,269 N/A -
Cap Rate 1.1% 1.4% - -
💡 Why Invest in 21612? 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 21612 (Bozman, MD). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
1.1%
Low
5yr Growth
+5.1%
Moderate

📉 Market Crash Risk Index

Based on Easton, MD metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
66%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $942,844
Monthly Rent $1,269
Price-to-Rent 61.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 1.6%
Cap Rate 1.1%
5-Year IRR 6.2%

📈 Home Appreciation

1-Year +4.0% ▲
3-Year CAGR +5.2% ▲
5-Year CAGR +5.1% ▲
10-Year CAGR +6.4% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 1.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (1.1%). 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
42.9%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+5.1%
Stable
Eviction process: Moderate Rent control: Moderate

Demographics in 21612

Population: 446

💰 Median Household Income
$110,778
This area
$110,778
State
$107,932
USA
$74,580
🏠 Renter Occupied
2.3%
This area
2.3%
State
23.8%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-20.0%
USA
3.7%
🎓 College Educated
50.7%
This area
50.7%
State
10.6%
USA
33.7%
👤 Median Age
70.0 years
This area
70.0 years
State
1.9 years
USA
38.9 years
🏚️ Vacancy Rate
42.9%
This area
42.9%
State
11.4%
USA
10.5%
👥 Population by Ethnicity
White 93.2%
Other/Mixed 6.8%
Hispanic/Latino 5.7%
👶 Under 18
8.4%
This area
8.4%
USA
22.0%
👴 65 and Over
60.3%
This area
60.3%
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

Frequently Asked Questions

Are homes affordable in Bozman, MD?

Bozman, MD home values average about $943K. That price point suits investors targeting rentals with $1,269/mo in monthly income.

Can I live-in-and-rent in Bozman, MD?

House hacking in Bozman, MD is a challenging. With home values around $943K and rents at $1,269/mo, owner-occupants can offset a meaningful share of PITI.

How do experienced investors play Bozman, MD?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Bozman, MD. The numbers - $943K homes against $1,269/mo rents - support that play.

What is the investability score for Bozman, MD?

Bozman, MD clocks in at an investability rating of 3.0/5, with median home values near $943K and average rents around $1,269/mo. That combination puts it in the robust tier for investor interest.

What is the tenant pool like in Bozman, MD?

The tenant pool in Bozman, MD is solid, supported by local employment and population fundamentals. Rents of $1,269/mo are well-absorbed by the market.

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How 21612 ranks in Easton, MD

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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