Real Estate Investing in Union Bridge, Maryland (21762)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 21762 (Union Bridge, 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.
No major risk flags on the data we track.
• 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 Union Bridge, MD (21762)?
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Market Analysis: 21762 Union Bridge
Not every below-median market is a bargain. Union Bridge's 21762 ZIP reports signals that favor experienced operators who can absorb the risk $336K pricing implies.
Rent of $1,431/mo on a $336K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 21762 sits below the stated 0.0% once reality is priced in.
Regionally, 21762 sits on the difficult end of the MD spectrum. The a viable market for read — for disciplined operators — is that pricing reflects the difficulty.
From an investor standpoint, 176 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 21762 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 Union Bridge:
Market Trends
Home Value History (with trend line)
📊 How Does 21762 Compare?
| Metric | 21762 | Union Bridge | Maryland |
|---|---|---|---|
| Home Value | $335,608 | $395,268 | $424,997 |
| 5-Year CAGR | N/A | 4.2% | 4.9% |
| Avg Rent | $1,431 | $1,386 | - |
| Cap Rate | 3.3% | 2.8% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 21762 (Union Bridge, MD). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $335,608 |
| Monthly Rent | $1,431 |
| Price-to-Rent | 19.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.1% |
| Cap Rate | 3.3% |
| 5-Year IRR | 7.2% |
📈 Home Appreciation
| 1-Year | +1.6% ▲ |
| 3-Year CAGR | +3.9% ▲ |
| 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 (3.3%). 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.
Demographics in 21762
Population: 176
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 1,140 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How much is rent in Union Bridge, MD?
Rental rates in Union Bridge, MD average $1,431/mo. Tenant demand and $336K home values make the yield look reasonable by investor standards.
How tight is the rental market in Union Bridge, MD?
Vacancy in Union Bridge, MD is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,431/mo.
What approach is best for Union Bridge, MD real estate?
For Union Bridge, 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 median home value in Union Bridge, MD?
Union Bridge, MD median home values land near $336K. That is reasonable territory for investors looking at $1,431/mo-per-month rentals.
What is the typical renter like in Union Bridge, MD?
The renter base in Union Bridge, MD is reasonable for the $1,431/mo price point. Screening well and pricing to market typically yields consistent tenants.
You know 21762 now. You don’t know where it ranks.
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