Shady Side, MD—20764
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Shady Side, MD
As of Oct '25, the median home price in Shady Side, MD is $415,000, with a year-over-year change of 1.4%. This indicates that home prices in Shady Side, MD are increasing. According to Zillow, the 1-year price projection is 0.0%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $415,000 | 1.4% |
| Single Family | $415,000 | 1.2% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $337,000 | 0.6% |
3 Bed | $407,000 | 1.5% |
4 Bed | $522,000 | 1.0% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Shady Side, MD
As of July '25, Rentcast reports the average rent in Shady Side, MD is $3,410, with a year-over-year rent change of 35.9%. Per bedroom, the median rent as of July '25 in Shady Side, MD is 3-bedrooms: $3,050, 4-bedrooms: $2,850. The most common rental property sizes in Shady Side, MD are 3-bedroom and 2-bedroom, accounting for 70.6% and 29.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $3,200 | $3,410 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $2,800 | $3,050 |
| 4 Bed Rent | $2,500 | $2,850 |
% of Rental Stock
Property Listings — Shady Side, MD
As of Oct '25, Realtor.com reports that the median days on market for a home in Shady Side, MD is 58. This is a increase of 20.0% 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 22.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $450,000 | -27.0% |
Listing Count | 37 | 69.0% |
| Listings as % of Homes | 1.2% | 69.0% |
Days on Market | 58 | 20.0% |
Demographics — Shady Side, MD
As of the latest ACS Survey released in 2023, Shady Side, MD has a population of 3,010, which has decreased by -27.9% over the past 5 years. Shady Side, MD is a moderately popular place for families, as children make up 15.6% of the population. The area has a moderately educated workforce, with 32.0% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 11.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,010 | -27.9% |
% Under 18 | 15.6% | -32.8% |
% Seniors | 24.1% | 42.6% |
% WFH | 11.2% | 160.5% |
% w/ College Degree | 32.0% | 35.0% |
As of the latest ACS Survey released in 2023, Shady Side, MD is a predominantly white area, with 79.2% of the population identifying as white. The white population has shrunk by 0.9% in the last 5 years. The second most common race or ethnicity in Shady Side, MD is black, making up 14.5% of the population. Foreign-born residents account for 4.1% of the population in Shady Side, MD, and this percentage has increased by 141.2% 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 | 79.2% | -0.9% |
% Black | 14.5% | 19.8% |
% Hispanic | 2.5% | -3.8% |
% Asian | 0.3% | -90.9% |
% Foreign Born | 4.1% | 141.2% |
Mortgage and Risk — Shady Side, MD
According to HUD data as of 2023, there were 139 mortgage originations in Shady Side, MD, of which 68.0% of loans were conventional mortgages. The average loan-to-value was 68.0%, with 41.0% above 90% LTV (very high). This implies large mortgage risk in Shady Side, MD. Investor activity is low, as 0.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 139 |
% Conventional Loans | 68.0% |
% Government Loans | 32.0% |
% Investor Loans | 0.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 11.0% |
Loan Activity
Rentals and Section 8 — Shady Side, MD
Shady Side, MD lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | N/A |
Total Units Section 8 | N/A |
% 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 | N/A | N/A | $2,370 |
| 2 Bedroom | N/A | N/A | $2,900 |
| 3 Bedroom | $930 | $2,800 | $3,730 |
| 4 Bedroom | $1,670 | $2,500 | $4,170 |
Affordability — Shady Side, MD
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.6 |
| Median Home Price | $415,000 |
| Median Household Income | $111,000 |