Dunkirk, MD—20754
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Dunkirk, MD
As of Oct '25, the median home price in Dunkirk, MD is $629,000, with a year-over-year change of 1.7%. This indicates that home prices in Dunkirk, MD are increasing. According to Zillow, the 1-year price projection is -0.6%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $629,000 | 1.7% |
| Single Family | $630,000 | 1.8% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $542,000 | 1.5% |
4 Bed | $658,000 | 1.2% |
| 5 Bed | $807,000 | 0.4% |
% of Housing Stock
Rental Trends — Dunkirk, MD
As of July '25, Rentcast reports the average rent in Dunkirk, MD is $2,980, with a year-over-year rent change of -4.2%. Per bedroom, the median rent as of July '25 in Dunkirk, MD is 1-bedrooms: $1,300, 3-bedrooms: $2,530, 4-bedrooms: $3,280. The most common rental property sizes in Dunkirk, MD are 4-bedroom and 3-bedroom, accounting for 61.4% and 38.6% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $3,100 | $2,980 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,300 | $1,300 |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $2,700 | $2,530 |
| 4 Bed Rent | $3,200 | $3,280 |
% of Rental Stock
Property Listings — Dunkirk, MD
As of Oct '25, Realtor.com reports that the median days on market for a home in Dunkirk, MD is 52. This is a decrease of -8.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 15.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $725,000 | 10.0% |
Listing Count | 26 | 73.0% |
| Listings as % of Homes | 0.9% | 73.0% |
Days on Market | 52 | -8.0% |
Demographics — Dunkirk, MD
As of the latest ACS Survey released in 2023, Dunkirk, MD has a population of 7,510, which has increased by 8.7% over the past 5 years. Dunkirk, MD is a popular place for families, as children make up 27.7% of the population. The area has a highly educated workforce, with 48.4% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 16.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 7,510 | 8.7% |
% Under 18 | 27.7% | 33.2% |
% Seniors | 13.8% | -15.3% |
% WFH | 16.7% | 377.1% |
% w/ College Degree | 48.4% | 33.7% |
As of the latest ACS Survey released in 2023, Dunkirk, MD is a predominantly white area, with 79.6% of the population identifying as white. The white population has shrunk by 7.1% in the last 5 years. The second most common race or ethnicity in Dunkirk, MD is black, making up 6.9% of the population. Foreign-born residents account for 5.4% of the population in Dunkirk, MD, and this percentage has increased by 10.2% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 79.6% | -7.1% |
% Black | 6.9% | 1.5% |
% Hispanic | 5.0% | 100.0% |
% Asian | 2.3% | -11.5% |
% Foreign Born | 5.4% | 10.2% |
Mortgage and Risk — Dunkirk, MD
According to HUD data as of 2023, there were 128 mortgage originations in Dunkirk, MD, of which 68.0% of loans were conventional mortgages. The average loan-to-value was 60.0%, with 30.0% above 90% LTV (very high). This implies large mortgage risk in Dunkirk, MD. Investor activity is low, as 1.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 128 |
% Conventional Loans | 68.0% |
% Government Loans | 32.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Dunkirk, MD
Dunkirk, MD lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 1 |
Total Units Section 8 | 1 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $1,170 | $1,300 | $2,470 |
| 2 Bedroom | N/A | N/A | $2,810 |
| 3 Bedroom | $820 | $2,700 | $3,520 |
| 4 Bedroom | $930 | $3,200 | $4,130 |
Affordability — Dunkirk, MD
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.4 |
| Median Home Price | $629,000 |
| Median Household Income | $173,000 |