Real Estate Investing in Marydel, Maryland (21649)
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Should you buy in 21649 (Marydel, MD)? Our answer, based on the numbers below.
Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 16.6% of homes vacant — above national norms.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Marydel, MD (21649)?
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Market Analysis: 21649 Marydel
The 21649 ZIP in Marydel, MD is a local-operator market. Outside capital chasing a $315K entry has to pair deep knowledge with the discount.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 21649 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
Nearby ZIPs in Marydel have seen price recovery that 21649 has not matched. Caroline County data supports the view that the spread is structural rather than temporary.
Meanwhile, 1,938 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
Experienced landlords with local relationships tend to find 21649 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 Marydel:
Market Trends
Home Value History (with trend line)
📊 How Does 21649 Compare?
| Metric | 21649 | Marydel | Baltimore-Columbia-Towson, MD | Maryland |
|---|---|---|---|---|
| Home Value | $315,193 | $315,193 | N/A | $424,997 |
| 5-Year CAGR | 4.3% | 4.3% | N/A | 4.9% |
| Avg Rent | $1,791 | $1,791 | N/A | - |
| Cap Rate | 4.4% | 4.4% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 21649 (Marydel, MD). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $315,193 |
| Monthly Rent | $1,791 |
| Price-to-Rent | 14.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.8% |
| Cap Rate | 4.4% |
| 5-Year IRR | 8.7% |
📈 Home Appreciation
| 1-Year | +4.5% ▲ |
| 3-Year CAGR | +3.8% ▲ |
| 5-Year CAGR | +4.3% ▲ |
| 10-Year CAGR | +6.2% ▲ |
🏠 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 (4.4%). 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 21649
Population: 1,938
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
🎓 Nearby Colleges & Universities
Investor Insight: With 4,203 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How much is rent in Marydel, MD?
Rental rates in Marydel, MD average $1,791/mo. Tenant demand and $315K home values make the yield look reasonable by investor standards.
What is the rental occupancy rate in Marydel, MD?
Rental vacancy in Marydel, MD is elevated. Investors should budget normal turnover but not chronic empty units.
Is Marydel, MD a smart market for rental property?
Yes - Marydel, MD a 3.0/5 investability score. With $315K home prices against $1,791/mo monthly rent, the market delivers a reasonable entry point for new investors.
Can I live-in-and-rent in Marydel, MD?
Marydel, MD is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $315K price point reasonable to enter.
What strategy should investors use in Marydel, MD?
In Marydel, MD the notable play is typically careful cash-flow rentals with hands-on management. The combination of $315K prices and $1,791/mo rents suits that approach.
You know 21649 now. You don’t know where it ranks.
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How 21649 ranks in Baltimore-Columbia-Towson, MD
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