Real Estate Investing in Queen Anne, Maryland (21657)
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Should you buy in 21657 (Queen Anne, MD)? Our answer, based on the numbers below.
Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
No major risk flags on the data we track.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Queen Anne, MD (21657)?
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Market Analysis: 21657 Queen Anne
ZIP 21657 in Queen Anne, MD carries a sturdy set of headwinds. Home values near $475K and rents of $1,836/mo sit inside a market where underwriting has to be tight.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 21657 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
Stepping back, 21657 offers a low basis, the region around Queen Anne has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Resident income in 21657 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
Distressed ZIPs reward experience. sturdy returns are possible in 21657, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Queen Anne:
Market Trends
Home Value History (with trend line)
📊 How Does 21657 Compare?
| Metric | 21657 | Queen Anne | Baltimore-Columbia-Towson, MD | Maryland |
|---|---|---|---|---|
| Home Value | $474,655 | $474,655 | N/A | $424,997 |
| 5-Year CAGR | 4.6% | 4.6% | N/A | 4.9% |
| Avg Rent | $1,836 | $1,836 | N/A | - |
| Cap Rate | 3.0% | 3.0% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 21657 (Queen Anne, MD). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $474,655 |
| Monthly Rent | $1,836 |
| Price-to-Rent | 21.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.6% |
| Cap Rate | 3.0% |
| 5-Year IRR | 7.6% |
📈 Home Appreciation
| 1-Year | +5.5% ▲ |
| 3-Year CAGR | +4.6% ▲ |
| 5-Year CAGR | +4.6% ▲ |
| 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 (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 21657
Population: 1,533
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
Frequently Asked Questions
Does house hacking make sense in Queen Anne, MD?
House hacking in Queen Anne, MD is reasonable to execute. Prices around $475K and rents of $1,836/mo solid owner-occupant economics.
How strong is the working-renter base in Queen Anne, MD?
The renter base in Queen Anne, MD is reasonable for the $1,836/mo price point. Screening well and pricing to market typically yields stable tenants.
Is housing expensive in Queen Anne, MD?
Queen Anne, MD home values average about $475K. That price point suits investors targeting rentals with $1,836/mo in monthly income.
What kind of market is Queen Anne, MD for investors?
Our data puts Queen Anne, MD at 3.0/5 for investability. Home prices of $475K and rents around $1,836/mo create a solid backdrop for investor activity.
Is rental property easy to operate in Queen Anne, MD?
The landlord environment in Queen Anne, MD is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.
You know 21657 now. You don’t know where it ranks.
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How 21657 ranks in Baltimore-Columbia-Towson, MD
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