Cottage City, MD—20722
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cottage City, MD
As of Oct '25, the median home price in Cottage City, MD is $375,000, with a year-over-year change of -1.9%. This indicates that home prices in Cottage City, MD are decreasing. According to Zillow, the 1-year price projection is -0.5%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $375,000 | -1.9% |
| Single Family | $378,000 | -2.1% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $333,000 | -2.1% |
3 Bed | $389,000 | -2.0% |
4 Bed | $436,000 | -2.5% |
| 5 Bed | $465,000 | -2.7% |
% of Housing Stock
Rental Trends — Cottage City, MD
As of July '25, Rentcast reports the average rent in Cottage City, MD is $1,740, with a year-over-year rent change of -12.1%. Per bedroom, the median rent as of July '25 in Cottage City, MD is 1-bedrooms: $1,340, 3-bedrooms: $2,450, 4-bedrooms: $3,300. The most common rental property sizes in Cottage City, MD are 1-bedroom and 2-bedroom, accounting for 38.3% and 16.3% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,650 | $1,740 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,500 | $1,340 |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $2,100 | $2,450 |
| 4 Bed Rent | $3,300 | $3,300 |
% of Rental Stock
Property Listings — Cottage City, MD
As of Oct '25, Realtor.com reports that the median days on market for a home in Cottage City, MD is 49. This is a increase of 6.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 24.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $467,000 | 6.0% |
Listing Count | 25 | 43.0% |
| Listings as % of Homes | 0.8% | 43.0% |
Days on Market | 49 | 6.0% |
Demographics — Cottage City, MD
As of the latest ACS Survey released in 2023, Cottage City, MD has a population of 6,360, which has increased by 5.6% over the past 5 years. Cottage City, MD is a moderately popular place for families, as children make up 20.0% of the population. The area has a poorly educated workforce, with 21.8% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 14.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 6,360 | 5.6% |
% Under 18 | 20.0% | -14.9% |
% Seniors | 11.5% | -6.5% |
% WFH | 14.2% | 1,675.0% |
% w/ College Degree | 21.8% | -11.0% |
As of the latest ACS Survey released in 2023, Cottage City, MD is a predominantly hispanic area, with 53.2% of the population identifying as hispanic. The hispanic population has grown by 10.8% in the last 5 years. The second most common race or ethnicity in Cottage City, MD is black, making up 29.5% of the population. Foreign-born residents account for 38.9% of the population in Cottage City, MD, and this percentage has decreased by 6.0% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 10.0% | -21.9% |
% Black | 29.5% | -6.9% |
% Hispanic | 53.2% | 10.8% |
% Asian | 3.0% | -52.4% |
% Foreign Born | 38.9% | -6.0% |
Mortgage and Risk — Cottage City, MD
According to HUD data as of 2023, there were 73 mortgage originations in Cottage City, MD, of which 84.0% of loans were conventional mortgages. The average loan-to-value was 70.0%, with 44.0% above 90% LTV (very high). This implies large mortgage risk in Cottage City, MD. Investor activity is low, as 0.0% of loans were by investors. 18.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 73 |
% Conventional Loans | 84.0% |
% Government Loans | 16.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 18.0% |
Loan Activity
Rentals and Section 8 — Cottage City, MD
Cottage City, MD lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 107 |
Total Units Section 8 | 6 |
% Rentals under Section 8 | 0.8% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $450 | $1,500 | $1,950 |
| 2 Bedroom | N/A | N/A | $2,200 |
| 3 Bedroom | $650 | $2,100 | $2,750 |
| 4 Bedroom | -$60 | $3,300 | $3,240 |
Affordability — Cottage City, MD
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.3 |
| Median Home Price | $375,000 |
| Median Household Income | $85,800 |