Real Estate Investing in Cambridge, Maryland (21613)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 21613 (Cambridge, MD)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 19.2% of homes vacant — above national norms.
What’s happening in Cambridge, MD (21613)?
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Market Analysis: 21613 Cambridge
The 21613 ZIP covers a section of Cambridge that demands careful diligence. Prices near $263K look accessible, but the work to make a deal cash flow is real.
The investment case in 21613 is impressive only for operators who understand what they are buying. A $263K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
ZIP 21613's metrics run below Dorchester County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
Employment concentration in 21613 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
trends toward the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Cambridge:
Property Strategy for 21613
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $214,261 | $1,120 | 3.8% | +8.1% | $107,130 |
| 3BR | $264,413 | $1,560 | 4.2% | +7.4% | $88,138 |
| 4BR | $345,344 | $1,880 | 3.9% | +5.8% | $86,336 |
| 5BR | $444,538 | — | — | +5.5% | $88,908 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 21613 Compare?
| Metric | 21613 | Cambridge | Cambridge, MD | Maryland |
|---|---|---|---|---|
| Home Value | $262,720 | $262,720 | N/A | $424,997 |
| 5-Year CAGR | 4.0% | 4.0% | N/A | 4.9% |
| Avg Rent | $1,850 | $1,850 | N/A | - |
| Cap Rate | 5.5% | 5.5% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 21613 (Cambridge, MD). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $262,720 |
| Monthly Rent | $1,850 |
| Price-to-Rent | 11.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 8.5% |
| Cap Rate | 5.5% |
| 5-Year IRR | 9.5% |
📈 Home Appreciation
| 1-Year | +0.7% ▲ |
| 3-Year CAGR | +2.0% ▲ |
| 5-Year CAGR | +4.0% ▲ |
| 10-Year CAGR | +5.7% ▲ |
🏠 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 (5.5%). 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 21613
Population: 18,167
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 21613
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.
Frequently Asked Questions
What strategy should investors use in Cambridge, MD?
A careful cash-flow rentals with hands-on management strategy Cambridge, MD best. The market produces even-keeled results for that approach at the $263K price point.
Are landlord laws favorable in Cambridge, MD?
Rental owners in Cambridge, MD deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.
What is the rental occupancy rate in Cambridge, MD?
Occupancy in Cambridge, MD runs stable with elevated vacancy. Well-priced units at $1,850/mo lease on reasonable timelines.
Is Cambridge, MD a good market for FHA house hackers?
Cambridge, MD offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,850/mo rent level.
Is the tenant base reliable in Cambridge, MD?
The renter base in Cambridge, MD is reasonable for the $1,850/mo price point. Screening well and pricing to market typically yields reliable tenants.
You know 21613 now. You don’t know where it ranks.
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How 21613 ranks in Cambridge, MD
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