Middle River, MD—21220
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Middle River, MD
As of Oct '25, the median home price in Middle River, MD is $326,000, with a year-over-year change of 2.0%. This indicates that home prices in Middle River, MD are increasing. According to Zillow, the 1-year price projection is 0.1%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $326,000 | 2.0% |
| Single Family | $327,000 | 1.6% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $237,000 | 1.3% |
3 Bed | $296,000 | 1.7% |
4 Bed | $420,000 | 1.0% |
| 5 Bed | $532,000 | 0.2% |
% of Housing Stock
Rental Trends — Middle River, MD
As of July '25, Rentcast reports the average rent in Middle River, MD is $2,100, with a year-over-year rent change of 36.4%. Per bedroom, the median rent as of July '25 in Middle River, MD is studios: $1,600, 1-bedrooms: $1,510, 2-bedrooms: $1,640, 3-bedrooms: $2,190, 4-bedrooms: $3,320. The most common rental property sizes in Middle River, MD are 2-bedroom and 1-bedroom, accounting for 48.6% and 21.6% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,000 | $2,100 |
| Studio Rent | $1,600 | $1,600 |
| 1 Bed Rent | $1,500 | $1,510 |
| 2 Bed Rent | $1,750 | $1,640 |
| 3 Bed Rent | $2,100 | $2,190 |
| 4 Bed Rent | $3,500 | $3,320 |
% of Rental Stock
Property Listings — Middle River, MD
As of Oct '25, Realtor.com reports that the median days on market for a home in Middle River, MD is 31. This is a decrease of -27.0% 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 23.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $450,000 | -6.0% |
Listing Count | 156 | 3.0% |
| Listings as % of Homes | 0.5% | 3.0% |
Days on Market | 31 | -27.0% |
Demographics — Middle River, MD
As of the latest ACS Survey released in 2023, Middle River, MD has a population of 42,900, which has increased by 6.8% over the past 5 years. Middle River, MD is a moderately popular place for families, as children make up 23.4% of the population. The area has a moderately educated workforce, with 26.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 42,900 | 6.8% |
% Under 18 | 23.4% | -1.3% |
% Seniors | 13.0% | -8.5% |
% WFH | 8.7% | 155.9% |
% w/ College Degree | 26.4% | 30.0% |
As of the latest ACS Survey released in 2023, Middle River, MD is a predominantly white area, with 56.9% of the population identifying as white. The white population has shrunk by 17.2% in the last 5 years. The second most common race or ethnicity in Middle River, MD is black, making up 27.1% of the population. Foreign-born residents account for 11.5% of the population in Middle River, MD, and this percentage has increased by 43.8% 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 | 56.9% | -17.2% |
% Black | 27.1% | 26.6% |
% Hispanic | 5.7% | 50.0% |
% Asian | 5.1% | 59.4% |
% Foreign Born | 11.5% | 43.8% |
Mortgage and Risk — Middle River, MD
According to HUD data as of 2023, there were 696 mortgage originations in Middle River, MD, of which 71.0% 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 Middle River, MD. Investor activity is low, as 2.0% of loans were by investors. 15.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 696 |
% Conventional Loans | 71.0% |
% Government Loans | 29.0% |
% Investor Loans | 2.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 15.0% |
Loan Activity
Rentals and Section 8 — Middle River, MD
As of 2024, the percent of homes in Middle River, MD under the Section 8 program is 11.7%. 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. 1-bedroom and 2-bedroom and 3-bedroom units appear to be good home sizes to consider for Section 8 housing in Middle River, MD, because HUD payments exceed market rent, while 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 590 |
Total Units Section 8 | 590 |
% Rentals under Section 8 | 11.7% |
% Occupied Section 8 | 83.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $80 | $1,500 | $1,580 |
| 2 Bedroom | $190 | $1,750 | $1,940 |
| 3 Bedroom | $400 | $2,100 | $2,500 |
| 4 Bedroom | -$710 | $3,500 | $2,790 |
Affordability — Middle River, MD
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.8 |
| Median Home Price | $326,000 |
| Median Household Income | $79,700 |