Real Estate Investing in Warwick, Maryland (21912)
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Should you buy in 21912 (Warwick, MD)? Our answer, based on the numbers below.
Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.
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 31.3 — 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 Warwick, MD (21912)?
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Market Analysis: 21912 Warwick
Investors eyeing 21912 need to respect the fundamentals at play. Home values of $582K come alongside slower price movement and elevated management overhead.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $582K asset, 21912 is the wrong submarket. If the plan prices in friction, the yield can still work.
Nearby ZIPs in Warwick have seen price recovery that 21912 has not matched. Cecil County data supports the view that the spread is structural rather than temporary.
The 21912 ZIP's population of 1,430 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that stands at the need for careful underwriting.
Strategically, 21912 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 Warwick:
Market Trends
Home Value History (with trend line)
📊 How Does 21912 Compare?
| Metric | 21912 | Warwick | Maryland |
|---|---|---|---|
| Home Value | $582,169 | $582,169 | $424,997 |
| 5-Year CAGR | 4.6% | 4.6% | 4.9% |
| Avg Rent | $1,548 | $1,548 | - |
| Cap Rate | 2.1% | 2.1% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 21912 (Warwick, MD). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $582,169 |
| Monthly Rent | $1,548 |
| Price-to-Rent | 31.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.2% |
| Cap Rate | 2.1% |
| 5-Year IRR | 6.7% |
📈 Home Appreciation
| 1-Year | +5.0% ▲ |
| 3-Year CAGR | +5.0% ▲ |
| 5-Year CAGR | +4.6% ▲ |
| 10-Year CAGR | +5.8% ▲ |
🏠 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 (2.1%). 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 21912
Population: 1,430
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
What is the rental occupancy rate in Warwick, MD?
Rental vacancy in Warwick, MD is elevated. Investors should budget normal turnover but not chronic empty units.
How qualified is the tenant pool in Warwick, MD?
Working renters make up the core of the Warwick, MD tenant base. The pool is reasonable for investors targeting long-term holds.
What are home prices like in Warwick, MD?
In Warwick, MD the median home value sits at $582K. Against the broader MD market, that reads as reasonable for most investors.
Are eviction rules reasonable in Warwick, MD?
Rental owners in Warwick, MD deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.
What is the smart move for investors in Warwick, MD?
Investors usually favor careful cash-flow rentals with hands-on management in Warwick, MD. With home values at $582K and rents near $1,548/mo, other strategies can work but produce even-keeled rather than outsized returns.
You know 21912 now. You don’t know where it ranks.
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How 21912 ranks in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
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