Towson, MD—21286
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Towson, MD
Home Price Trends — Towson, MD
As of Oct '25, the median home price in Towson, MD is $393,000, with a year-over-year change of 1.8%. This indicates that home prices in Towson, 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 | $393,000 | 1.8% |
| Single Family | $434,000 | 1.9% |
| Condos | $210,000 | -11.8% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $250,000 | -0.8% |
3 Bed | $342,000 | 1.2% |
4 Bed | $591,000 | 1.9% |
| 5 Bed | $769,000 | 2.4% |
% of Housing Stock
Rental Trends — Towson, MD
As of July '25, Rentcast reports the average rent in Towson, MD is $2,210, with a year-over-year rent change of 8.9%. Per bedroom, the median rent as of July '25 in Towson, MD is studios: $1,540, 1-bedrooms: $1,420, 2-bedrooms: $2,010, 3-bedrooms: $2,600, 4-bedrooms: $3,230. The most common rental property sizes in Towson, MD are 1-bedroom and 2-bedroom, accounting for 36.2% and 26.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,200 | $2,210 |
| Studio Rent | $1,540 | $1,540 |
| 1 Bed Rent | $1,450 | $1,420 |
| 2 Bed Rent | $2,000 | $2,010 |
| 3 Bed Rent | $2,500 | $2,600 |
| 4 Bed Rent | $3,500 | $3,230 |
% of Rental Stock
Property Listings — Towson, MD
As of Oct '25, Realtor.com reports that the median days on market for a home in Towson, MD is 27. This is a increase of 58.0% 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 26.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $360,000 | -14.0% |
Listing Count | 69 | 17.0% |
| Listings as % of Homes | 0.2% | 17.0% |
Days on Market | 27 | 58.0% |
Demographics — Towson, MD
As of the latest ACS Survey released in 2023, Towson, MD has a population of 21,800, which has increased by 6.3% over the past 5 years. Towson, MD is a moderately popular place for families, as children make up 18.7% of the population. The area has a highly educated workforce, with 57.4% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 18.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 21,800 | 6.3% |
% Under 18 | 18.7% | 16.1% |
% Seniors | 21.7% | 5.3% |
% WFH | 18.2% | 160.0% |
% w/ College Degree | 57.4% | -10.9% |
As of the latest ACS Survey released in 2023, Towson, MD is a predominantly white area, with 69.3% of the population identifying as white. The white population has shrunk by 6.4% in the last 5 years. The second most common race or ethnicity in Towson, MD is black, making up 15.3% of the population. Foreign-born residents account for 10.5% of the population in Towson, MD, and this percentage has increased by 4.0% 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 | 69.3% | -6.4% |
% Black | 15.3% | 22.4% |
% Hispanic | 7.7% | 60.4% |
% Asian | 3.6% | -32.1% |
% Foreign Born | 10.5% | 4.0% |
Mortgage and Risk — Towson, MD
According to HUD data as of 2023, there were 370 mortgage originations in Towson, MD, of which 82.0% of loans were conventional mortgages. The average loan-to-value was 66.0%, with 30.0% above 90% LTV (very high). This implies large mortgage risk in Towson, MD. Investor activity is low, as 4.0% 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 | 370 |
% Conventional Loans | 82.0% |
% Government Loans | 18.0% |
% Investor Loans | 4.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 11.0% |
Loan Activity
Rentals and Section 8 — Towson, MD
As of 2024, the percent of homes in Towson, MD under the Section 8 program is 15.8%. This is considered high, suggesting that the neighborhood is heavily composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom and 3-bedroom units appear to be good home sizes to consider for Section 8 housing in Towson, MD, because HUD payments exceed market rent, while 2-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 673 |
Total Units Section 8 | 585 |
% Rentals under Section 8 | 15.8% |
% Occupied Section 8 | 87.6% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $170 | $1,450 | $1,620 |
| 2 Bedroom | -$20 | $2,000 | $1,980 |
| 3 Bedroom | $50 | $2,500 | $2,550 |
| 4 Bedroom | -$650 | $3,500 | $2,850 |
Affordability — Towson, MD
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.9 |
| Median Home Price | $393,000 |
| Median Household Income | $93,100 |