Real Estate Investing in Church Creek, Maryland (21622)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 21622 (Church Creek, MD)? Our answer, based on the numbers below.
Multiple negative signals. Better options likely exist nearby.
Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.
- High vacancy: 42.0% of homes vacant — above national norms.
• 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 Church Creek, MD (21622)?
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Market Analysis: 21622 Church Creek
Investors eyeing 21622 need to respect the fundamentals at play. Home values of $269K come alongside slower price movement and elevated management overhead.
Meanwhile, the numbers look inviting — $269K purchase price, 0.0% nominal cap — the work to hit that pro forma in 21622 is substantial and deserves full respect.
Within MD, ZIP 21622 trails on several market indicators that neighboring Dorchester County submarkets outperform. The gap is real and sturdy enough to shape underwriting.
Who lives in 21622 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
The right play in 21622 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Church Creek:
Market Trends
Home Value History (with trend line)
📊 How Does 21622 Compare?
| Metric | 21622 | Church Creek | Cambridge, MD | Maryland |
|---|---|---|---|---|
| Home Value | $269,082 | $378,939 | N/A | $424,997 |
| 5-Year CAGR | N/A | 4.8% | N/A | 4.9% |
| Avg Rent | $1,026 | $1,269 | N/A | - |
| Cap Rate | 3.0% | 2.7% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 21622 (Church Creek, MD). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $269,082 |
| Monthly Rent | $1,026 |
| Price-to-Rent | 21.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.6% |
| Cap Rate | 3.0% |
| 5-Year IRR | 7.1% |
📈 Home Appreciation
| 1-Year | +6.2% ▲ |
| 3-Year CAGR | +4.1% ▲ |
| 5-Year CAGR | N/A |
| 10-Year CAGR | N/A |
🏠 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 (3.0%). 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 21622
Population: 335
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 21622
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
Is Church Creek in MD worth investing in?
Our data puts Church Creek, MD at 2.0/5 for investability. Home prices of $269K and rents around $1,026/mo create a solid backdrop for investor activity.
What is the typical vacancy rate in Church Creek, MD?
Church Creek, MD vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.
How much does a house cost in Church Creek, MD?
In Church Creek, MD the median home value sits at $269K. Against the broader MD market, that reads as reasonable for most investors.
Is Church Creek, MD a friendly market for rental owners?
For rental operators, Church Creek, MD rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.
How much rent can I charge in Church Creek, MD?
Church Creek, MD rentals go for roughly $1,026/mo a month. That puts gross yield in solid territory relative to $269K acquisition costs.
You know 21622 now. You don’t know where it ranks.
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How 21622 ranks in Cambridge, MD
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