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Cambridge, MD—21613

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$259,000
0.4% YoY Growth
Household Income
$53,200
18.9% YoY Growth
Days on Market
79
15.0% Longer YoY
Home Price Forecast
2.1%
Median Rent
$1,950
1.0% YoY Growth
1-Bed Rent
$1,200
10.0% YoY Growth
2-Bed Rent
$1,660
16.0% YoY Growth
3-Bed Rent
$2,000
2.4% YoY Growth
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Cambridge, MD

As of Dec '25, the median home price in Cambridge, MD is $259,000, with a year-over-year change of -0.4%. This indicates that home prices in Cambridge, MD are flat. According to Zillow, the 1-year price projection is 2.1%, suggesting an increase housing market in the next year.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$259,000-0.4%
Single Family $255,000-0.4%
Condos $322,000-0.6%

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed
  • Affordability
  • Rentals and Section 8
    • N/A
    N/A
    2 Bed
    		$212,0001.0%
    3 Bed
    		$264,0000.4%
    4 Bed
    		$345,000-1.1%
    5 Bed $441,902-3.1%
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    % of Housing Stock

    Studio
    1.6%
    1 Bedroom
    10.1%
    2 Bedrooms
    34.4%
    3 Bedrooms
    36.8%
    4 Bedrooms
    14.2%
    5+ Bedrooms
    2.9%

    Rental Trends — Cambridge, MD

    As of July '25, Rentcast reports the average rent in Cambridge, MD is $1,920, with a year-over-year rent change of -1.0%. Per bedroom, the median rent as of July '25 in Cambridge, MD is 1-bedrooms: $1,170, 2-bedrooms: $1,670, 3-bedrooms: $2,050, 4-bedrooms: $2,440. The most common rental property sizes in Cambridge, MD are 2-bedroom and 1-bedroom, accounting for 47.6% and 20.8% of the rental stock.

    TypeMedian RentAverage Rent
    Average Rent$1,950$1,920
    Studio Rent N/AN/A
    1 Bed Rent $1,200$1,170
    2 Bed Rent $1,660$1,670
    3 Bed Rent $2,000$2,050
    4 Bed Rent $2,600$2,440
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    % of Rental Stock

    Studio
    2.1%
    1 Bedroom
    20.8%
    2 Bedrooms
    47.6%
    3 Bedrooms
    20.6%
    4 Bedrooms
    7.8%
    5+ Bedrooms
    1.2%

    Property Listings — Cambridge, MD

    As of Dec '25, Realtor.com reports that the median days on market for a home in Cambridge, MD is 75. This is a increase of 11.0% 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 16.0%, representing a small inventory and little supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$315,00010.0%
    Listing Count
    		15724.0%
    Listings as % of Homes1.0%24.0%
    Days on Market
    		7915.0%
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    Demographics — Cambridge, MD

    As of the latest ACS Survey released in 2023, Cambridge, MD has a population of 18,200, which has increased by 6.2% over the past 5 years. Cambridge, MD is a moderately popular place for families, as children make up 21.1% of the population. The area has a poorly educated workforce, with 21.3% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.7% reporting working from home.

    MetricLatest CensusYoY % Change
    Population
    		18,2006.2%
    % Under 18
    		21.1%1.4%
    % Seniors
    		22.4%5.7%
    % WFH
    		7.7%133.3%
    % w/ College Degree
    		21.3%-7.4%
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    As of the latest ACS Survey released in 2023, Cambridge, MD is a predominantly white area, with 51.9% of the population identifying as white. The white population has shrunk by 1.3% in the last 5 years. The second most common race or ethnicity in Cambridge, MD is black, making up 32.6% of the population. Foreign-born residents account for 3.7% of the population in Cambridge, MD, and this percentage has increased by 5.7% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.

    Race and Ethnicity

    MetricLatest Census5-Year % Change
    % White
    		51.9%-1.3%
    % Black
    		32.6%-11.2%
    % Hispanic
    		6.2%3.3%
    % Asian
    		1.8%28.6%
    % Foreign Born
    		3.7%5.7%
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    Mortgage and Risk — Cambridge, MD

    According to HUD data as of 2023, there were 419 mortgage originations in Cambridge, MD, of which 53.0% of loans were conventional mortgages. The average loan-to-value was 77.0%, with 51.0% above 90% LTV (very high). This implies large mortgage risk in Cambridge, MD. Investor activity is low, as 5.0% of loans were by investors. 9.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.

    Mortgages

    MetricZip Code Average
    Total Loan Originations
    		419
    % Conventional Loans
    		53.0%
    % Government Loans
    		47.0%
    % Investor Loans
    		5.0%
    % Second Loans
    		5.0%
    % Cash Out Refinance
    		9.0%
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    Rentals and Section 8 — Cambridge, MD

    Cambridge, MD lacks sufficient Section 8 program data for analysis.

    Section 8 Market Size

    Total Units under HUD
    		904
    Total Units Section 8
    		904
    % Rentals under Section 8
    		N/A
    % Occupied Section 8
    		84.2%

    Section 8 Opportunity

    Home SizeHUD PremiumMarket RentMax HUD Rent
    1 Bedroom-$300$1,200$900
    2 Bedroom-$540$1,660$1,120
    3 Bedroom-$430$2,000$1,570
    4 Bedroom-$720$2,600$1,880

    Affordability — Cambridge, MD

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio4.5
    Median Home Price$259,000
    Median Household Income$53,200

    Cambridge, MD — ZIP Code Boundary Map

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    Nearby ZIP Codes

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    Frequently Asked Questions