Real Estate Investing in Keymar, Maryland (21757)

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

Frederick County • Population: 2,810 • Data updated: September 2026

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Should you buy in 21757 (Keymar, MD)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (59/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 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
1 flag
  • High price-to-rent: Price-to-rent ratio 28.9 — hard to cash-flow at these prices.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Keymar, MD (21757)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $462,295
Avg Monthly Rent $1,332
1% Rule ✗ Does Not Meet
Median Income $96,250
% Renters 24.1%

Market Analysis: 21757 Keymar

ZIP 21757 inside Frederick County looks affordable on the surface — median value of $462K — but the discount exists for reasons that a careful buyer should understand before committing.

For an experienced owner, 21757 can be a a strong candidate for hunting ground — but the discount at $462K reflects genuine risk that outside investors often underestimate.

Statewide comparisons place 21757 among MD's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

The demographic picture in 21757 includes headwinds that any investor should price in. Income distribution skews lower than Keymar averages, and tenant stability requires active management.

leans 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.

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 Keymar:

C Below Average
Buy Confidence Score: 58/100
Affordability
10/25
Appreciation
18/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.8× the median income
Value Trend
Stable (+2.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,332/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.

Market Trends

Home Value History (with trend line)

$484K$431K$378K$324K$271K$218KJul 2006Jul 2016Jul 2026

📊 How Does 21757 Compare?

Metric 21757 Keymar Maryland
Home Value $462,295 $462,295 $424,997
5-Year CAGR 4.2% 4.2% 4.9%
Avg Rent $1,332 $1,332 -
Cap Rate 2.3% 2.3% -
💡 Why Invest in 21757? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 21757 (Keymar, MD). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.3%
Low
5yr Growth
+4.2%
Moderate

📊 Market Snapshot

Home Value $462,295
Monthly Rent $1,332
Price-to-Rent 28.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.5%
Cap Rate 2.3%
5-Year IRR 6.5%

📈 Home Appreciation

1-Year +2.8% ▲
3-Year CAGR +4.7% ▲
5-Year CAGR +4.2% ▲
10-Year CAGR +5.4% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.3%). 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
6.4%
Low risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+4.2%
Stable
Eviction process: Moderate Rent control: Moderate

Demographics in 21757

Population: 2,810

💰 Median Household Income
$96,250
This area
$96,250
State
$107,932
USA
$74,580
🏠 Renter Occupied
24.1%
This area
24.1%
State
23.8%
USA
34.0%
💼 Unemployment Rate
2.6%
This area
2.6%
State
-20.0%
USA
3.7%
🎓 College Educated
29.8%
This area
29.8%
State
10.6%
USA
33.7%
👤 Median Age
46.4 years
This area
46.4 years
State
1.9 years
USA
38.9 years
🏚️ Vacancy Rate
6.4%
This area
6.4%
State
11.4%
USA
10.5%
👥 Population by Ethnicity
White 92.9%
Other/Mixed 3.5%
Black/African American 1.9%
Asian 1.6%
Hispanic/Latino 1.1%
👶 Under 18
19.0%
This area
19.0%
USA
22.0%
👴 65 and Over
20.5%
This area
20.5%
USA
17.3%
📊 Poverty Rate
0.8%
This area
0.8%
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

🎓 Schools in 21757

B+ Avg School Grade
1 Schools
16.1:1 Avg Class Size
$16,833 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

New Midway/Woodsboro Elementary

📚 Pre-K – 05 Elementary
👥
264 Students
👨‍🏫
16.1:1 Class Size
💰
$16,833 Per Student
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.

🎓 Nearby Colleges & Universities

4 Nearby 767 Off-Campus Students
C
Mount St. Mary's University
2,499 students · 7.6 mi
C
Frederick Community College
6,796 students · 13.2 mi
C
McDaniel College
2,882 students · 13.7 mi
C
Hood College
2,078 students · 15.0 mi

Investor Insight: With 767 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How much do tenants pay in Keymar, MD?

Expect rents around $1,332/mo per month in Keymar, MD. With home values at $462K, the yield math works out to reasonable levels for rental investors.

Is Keymar, MD good for landlords?

For rental operators, Keymar, MD rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.

Is vacancy a concern in Keymar, MD?

Rental vacancy in Keymar, MD is elevated. Investors should budget normal turnover but not chronic empty units.

Is Keymar, MD better for rentals, flips, or BRRRR?

For Keymar, MD, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

What is the investability score for Keymar, MD?

Yes - Keymar, MD a 3.0/5 investability score. With $462K home prices against $1,332/mo monthly rent, the market delivers a reasonable entry point for new investors.

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How 21757 ranks in Washington-Arlington-Alexandria, DC-VA-MD-WV

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