Real Estate Investing in New Windsor, Maryland (21776)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 21776 (New Windsor, MD)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High price-to-rent: Price-to-rent ratio 29.4 — 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 New Windsor, MD (21776)?
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Market Analysis: 21776 New Windsor
ZIP 21776 inside Carroll County looks affordable on the surface — median value of $490K — but the discount exists for reasons that a careful buyer should understand before committing.
Distressed markets are won on execution, not on spreadsheets. ZIP 21776 stands at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
Statewide comparisons place 21776 among MD's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
Employment concentration in 21776 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
trends toward 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.
Here's what matters if you're considering buying a home in New Windsor:
Property Strategy for 21776
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 3BR | $451,720 | $1,980 | 3.2% | +5.8% | $150,573 |
| 4BR | $548,161 | $2,230 | 2.9% | +5.9% | $137,040 |
| 5BR | $630,636 | — | — | +6.2% | $126,127 |
Market Trends
Home Value History (with trend line)
📊 How Does 21776 Compare?
| Metric | 21776 | New Windsor | Baltimore-Columbia-Towson, MD | Maryland |
|---|---|---|---|---|
| Home Value | $489,503 | $489,503 | N/A | $424,997 |
| 5-Year CAGR | 3.3% | 3.3% | N/A | 4.9% |
| Avg Rent | $1,386 | $1,386 | N/A | - |
| Cap Rate | 2.2% | 2.2% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 21776 (New Windsor, MD). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $489,503 |
| Monthly Rent | $1,386 |
| Price-to-Rent | 29.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.4% |
| Cap Rate | 2.2% |
| 5-Year IRR | 5.5% |
📈 Home Appreciation
| 1-Year | +3.2% ▲ |
| 3-Year CAGR | +2.7% ▲ |
| 5-Year CAGR | +3.3% ▲ |
| 10-Year CAGR | +4.5% ▲ |
🏠 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 (2.2%). 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 21776
Population: 5,905
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
How much does a house cost in New Windsor, MD?
In New Windsor, MD the median home value sits at $490K. Against the broader MD market, that reads as reasonable for most investors.
What is the typical rental rate in New Windsor, MD?
The typical rental in New Windsor, MD commands about $1,386/mo monthly. That rent profile steady cash flow against the $490K purchase basis.
How do experienced investors play New Windsor, MD?
The best-fit strategy in New Windsor, MD is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.
How viable is house hacking in New Windsor, MD?
House hacking in New Windsor, MD is a challenging. With home values around $490K and rents at $1,386/mo, owner-occupants can offset a meaningful share of PITI.
Is New Windsor, MD a friendly market for rental owners?
New Windsor, MD falls under MD landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.
You know 21776 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 21776 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 21776 ranks in Baltimore-Columbia-Towson, MD
Every ZIP in this metro, ranked. Free.
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