Real Estate Investing in Stockton, Maryland (21864)
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Should you buy in 21864 (Stockton, 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 vacancy: 18.1% of homes vacant — above national norms.
• 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 Stockton, MD (21864)?
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Market Analysis: 21864 Stockton
ZIP 21864 in Stockton, MD carries a solid set of headwinds. Home values near $224K and rents of $1,035/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 21864 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
In the broader MD picture, 21864 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
In practical terms, 667 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.
Strategically, 21864 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Stockton:
Market Trends
Home Value History (with trend line)
📊 How Does 21864 Compare?
| Metric | 21864 | Stockton | Salisbury, MD-DE | Maryland |
|---|---|---|---|---|
| Home Value | $223,733 | $223,733 | N/A | $424,997 |
| 5-Year CAGR | 2.4% | 2.4% | N/A | 4.9% |
| Avg Rent | $1,035 | $1,035 | N/A | - |
| Cap Rate | 3.6% | 3.6% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 21864 (Stockton, MD). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $223,733 |
| Monthly Rent | $1,035 |
| Price-to-Rent | 18.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.6% |
| Cap Rate | 3.6% |
| 5-Year IRR | 6.0% |
📈 Home Appreciation
| 1-Year | -0.2% ▼ |
| 3-Year CAGR | +3.1% ▲ |
| 5-Year CAGR | +2.4% ▲ |
| 10-Year CAGR | +4.9% ▲ |
🏠 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 (3.6%). 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 21864
Population: 667
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
Frequently Asked Questions
Are eviction rules reasonable in Stockton, MD?
Stockton, MD falls under MD landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.
Are renters plentiful in Stockton, MD?
Working renters make up the core of the Stockton, MD tenant base. The pool is reasonable for investors targeting long-term holds.
What monthly rent should investors expect in Stockton, MD?
Average rent in Stockton, MD is approximately $1,035/mo per month. Against $224K home values that yields a reasonable rent-to-price ratio.
Is house hacking profitable in Stockton, MD?
House hacking in Stockton, MD is reasonable to execute. Prices around $224K and rents of $1,035/mo solid owner-occupant economics.
What is the smart move for investors in Stockton, MD?
Most investors in Stockton, MD run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.
You know 21864 now. You don’t know where it ranks.
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How 21864 ranks in Salisbury, MD-DE
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