Arnold, MD—21012
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Arnold, MD
As of Oct '25, the median home price in Arnold, MD is $584,000, with a year-over-year change of 2.4%. This indicates that home prices in Arnold, MD are increasing. According to Zillow, the 1-year price projection is 0.2%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $584,000 | 2.4% |
| Single Family | $603,000 | 2.2% |
| Condos | $299,000 | 0.3% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $320,000 | 1.3% |
3 Bed | $500,000 | 1.8% |
4 Bed | $685,000 | 2.1% |
| 5 Bed | $930,000 | 2.2% |
% of Housing Stock
Rental Trends — Arnold, MD
As of July '25, Rentcast reports the average rent in Arnold, MD is $2,590, with a year-over-year rent change of -5.8%. Per bedroom, the median rent as of July '25 in Arnold, MD is 1-bedrooms: $2,110, 2-bedrooms: $2,540, 3-bedrooms: $2,700, 4-bedrooms: $2,990. The most common rental property sizes in Arnold, MD are 2-bedroom and 3-bedroom, accounting for 35.5% and 27.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,600 | $2,590 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $2,150 | $2,110 |
| 2 Bed Rent | $2,460 | $2,540 |
| 3 Bed Rent | $2,750 | $2,700 |
| 4 Bed Rent | $2,750 | $2,990 |
% of Rental Stock
Property Listings — Arnold, MD
As of Oct '25, Realtor.com reports that the median days on market for a home in Arnold, MD is 35. This is a increase of 19.0% 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 35.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $730,000 | 1.0% |
Listing Count | 62 | 42.0% |
| Listings as % of Homes | 0.5% | 42.0% |
Days on Market | 35 | 19.0% |
Demographics — Arnold, MD
As of the latest ACS Survey released in 2023, Arnold, MD has a population of 22,300, which has increased by 2.5% over the past 5 years. Arnold, MD is a popular place for families, as children make up 25.6% of the population. The area has a highly educated workforce, with 59.8% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 21.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 22,300 | 2.5% |
% Under 18 | 25.6% | -3.0% |
% Seniors | 15.3% | 2.7% |
% WFH | 21.0% | 165.8% |
% w/ College Degree | 59.8% | 7.9% |
As of the latest ACS Survey released in 2023, Arnold, MD is a predominantly white area, with 76.2% of the population identifying as white. The white population has shrunk by 13.2% in the last 5 years. The second most common race or ethnicity in Arnold, MD is hispanic, making up 10.5% of the population. Foreign-born residents account for 8.0% of the population in Arnold, MD, and this percentage has increased by 48.1% 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 | 76.2% | -13.2% |
% Black | 4.1% | 36.7% |
% Hispanic | 10.5% | 228.1% |
% Asian | 3.6% | 12.5% |
% Foreign Born | 8.0% | 48.1% |
Mortgage and Risk — Arnold, MD
According to HUD data as of 2023, there were 510 mortgage originations in Arnold, MD, of which 84.0% of loans were conventional mortgages. The average loan-to-value was 56.0%, with 23.0% above 90% LTV (very high). This implies large mortgage risk in Arnold, MD. Investor activity is low, as 1.0% 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 | 510 |
% Conventional Loans | 84.0% |
% Government Loans | 16.0% |
% Investor Loans | 1.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 11.0% |
Loan Activity
Rentals and Section 8 — Arnold, MD
As of 2024, the percent of homes in Arnold, MD under the Section 8 program is 2.4%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Arnold, MD, all tracked home sizes have HUD payment amounts above market rent, suggesting strong Section 8 opportunity across the board.
Section 8 Market Size
Total Units under HUD | 32 |
Total Units Section 8 | 33 |
% Rentals under Section 8 | 2.4% |
% Occupied Section 8 | 78.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $20 | $2,150 | $2,170 |
| 2 Bedroom | $200 | $2,460 | $2,660 |
| 3 Bedroom | $670 | $2,750 | $3,420 |
| 4 Bedroom | $1,070 | $2,750 | $3,820 |
Affordability — Arnold, MD
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.9 |
| Median Home Price | $584,000 |
| Median Household Income | $138,000 |