Real Estate Investing in Rising Sun, Maryland (21911)

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

Cecil County • Population: 10,402 • Data updated: September 2026

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Should you buy in 21911 (Rising Sun, MD)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (68/100)

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
CLEAN

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 Rising Sun, MD (21911)?

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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 $402,087
Avg Monthly Rent $1,413
1% Rule ✗ Does Not Meet
Median Income $88,583
% Renters 20.4%

Market Analysis: 21911 Rising Sun

The 21911 ZIP in Rising Sun, MD is a local-operator market. Outside capital chasing a $402K entry has to pair deep knowledge with the discount.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 21911 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

Statewide comparisons place 21911 among MD's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

A sturdy renter share of 20% in 21911 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

The 21911 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

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 Rising Sun:

C+ Average
Buy Confidence Score: 67/100
Affordability
15/25
Appreciation
18/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.5× the median income
Value Trend
Rising (+3.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,413/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
🏠

Property Strategy for 21911

Which property type performs best in this market?

Best for Cash Flow
3BR
3.7% cap rate
Best for Appreciation
3BR
+7.5% 5yr CAGR
Best Overall Value
4BR
$114,720/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $361,971 $1,880 3.7% +7.5% $120,657
4BR $458,878 $2,100 3.3% +7.2% $114,720

Market Trends

Home Value History (with trend line)

$418K$373K$329K$284K$239K$195KJul 2006Jul 2016Jul 2026

📊 How Does 21911 Compare?

Metric 21911 Rising Sun Maryland
Home Value $402,087 $402,087 $424,997
5-Year CAGR 4.6% 4.6% 4.9%
Avg Rent $1,413 $1,413 -
Cap Rate 2.7% 2.7% -
💡 Why Invest in 21911? 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 →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 21911 (Rising Sun, MD). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.7%
Low
5yr Growth
+4.6%
Moderate

📊 Market Snapshot

Home Value $402,087
Monthly Rent $1,413
Price-to-Rent 23.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.2%
Cap Rate 2.7%
5-Year IRR 7.3%

📈 Home Appreciation

1-Year +3.6% ▲
3-Year CAGR +4.1% ▲
5-Year CAGR +4.6% ▲
10-Year CAGR +5.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.7%). 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
4.8%
Low risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+4.6%
Stable
Eviction process: Moderate Rent control: Moderate

Demographics in 21911

Population: 10,402

💰 Median Household Income
$88,583
This area
$88,583
State
$107,932
USA
$74,580
🏠 Renter Occupied
20.4%
This area
20.4%
State
23.8%
USA
34.0%
💼 Unemployment Rate
3.7%
This area
3.7%
State
-20.0%
USA
3.7%
🎓 College Educated
21.5%
This area
21.5%
State
10.6%
USA
33.7%
👤 Median Age
42.4 years
This area
42.4 years
State
1.9 years
USA
38.9 years
🏚️ Vacancy Rate
4.8%
This area
4.8%
State
11.4%
USA
10.5%
👥 Population by Ethnicity
White 88.5%
Other/Mixed 8.2%
Hispanic/Latino 5.5%
Asian 2.4%
Black/African American 1.0%
👶 Under 18
23.5%
This area
23.5%
USA
22.0%
👴 65 and Over
15.5%
This area
15.5%
USA
17.3%
📊 Poverty Rate
2.7%
This area
2.7%
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 21911

A+ Avg School Grade
3 Schools
14.5:1 Avg Class Size
$18,173 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Calvert Elementary

📚 Pre-K – 05 Elementary
👥
398 Students
👨‍🏫
15.0:1 Class Size
💰
$18,173 Per Student
A+ Excellent

Rising Sun Elementary

📚 Pre-K – 05 Elementary
👥
610 Students
👨‍🏫
14.8:1 Class Size
💰
$18,173 Per Student
A+ Excellent

Rising Sun Middle School

📚 06 – 08 Middle
👥
610 Students
👨‍🏫
13.7:1 Class Size
💰
$18,173 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

2 Nearby 749 Off-Campus Students
C
Cecil College
1,845 students · 5.5 mi
C+
Lincoln University
1,848 students · 10.1 mi

Investor Insight: With 749 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What is the best play in Rising Sun, MD?

Rising Sun, MD investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($402K prices, $1,413/mo rents) make it a reasonable choice.

What is the typical renter like in Rising Sun, MD?

Tenant quality in Rising Sun, MD ranks as solid. Landlords generally report steady occupancy at market rents of $1,413/mo.

Is Rising Sun, MD a smart market for rental property?

The 3.0/5 investability rating in Rising Sun, MD reflects its $402K prices and $1,413/mo rents. Investors generally consider it a solid option within MD.

Is vacancy a concern in Rising Sun, MD?

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

Does Rising Sun, MD favor landlords or tenants?

Rental owners in Rising Sun, MD deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.

You know 21911 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 21911 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.

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How 21911 ranks in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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