Church Creek, MD—21677
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Church Creek, MD
Home Price Trends — Church Creek, MD
As of Oct '25, the median home price in Church Creek, MD is $480,000, with a year-over-year change of 7.4%. This indicates that home prices in Church Creek, MD are increasing. According to Zillow, the 1-year price projection is 1.8%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $480,000 | 7.4% |
| Single Family | $483,000 | 6.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | N/A | N/A |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Church Creek, MD
Church Creek, MD lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $5,750 | $5,750 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | $5,750 | $5,750 |
% of Rental Stock
Property Listings — Church Creek, MD
As of Oct '25, Realtor.com reports that the median days on market for a home in Church Creek, MD is 20. This is a decrease of -51.0% 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 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $875,000 | 2.0% |
Listing Count | 3 | -50.0% |
| Listings as % of Homes | 1.4% | -50.0% |
Days on Market | 20 | -51.0% |
Demographics — Church Creek, MD
As of the latest ACS Survey released in 2023, Church Creek, MD has a population of 534, which has increased by 51.3% over the past 5 years. Church Creek, MD is a moderately popular place for families, as children make up 19.3% of the population. The area has a poorly educated workforce, with 23.2% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 3.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 534 | 51.3% |
% Under 18 | 19.3% | 48.5% |
% Seniors | 32.4% | -23.8% |
% WFH | 3.8% | ∞% |
% w/ College Degree | 23.2% | -46.9% |
As of the latest ACS Survey released in 2023, Church Creek, MD is a predominantly white area, with 98.7% of the population identifying as white. The white population has grown by 0.7% in the last 5 years. The second most common race or ethnicity in Church Creek, MD is hispanic, making up 0.7% of the population. Foreign-born residents account for 1.1% of the population in Church Creek, MD, and this percentage has decreased by 45.0% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 98.7% | 0.7% |
% Black | 0.4% | ∞% |
% Hispanic | 0.7% | ∞% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 1.1% | -45.0% |
Mortgage and Risk — Church Creek, MD
According to HUD data as of 2023, there were 35 mortgage originations in Church Creek, MD, of which 83.0% of loans were conventional mortgages. The average loan-to-value was 57.0%, with 23.0% above 90% LTV (very high). This implies large mortgage risk in Church Creek, MD. Investor activity is low, as 0.0% of loans were by investors. 9.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 35 |
% Conventional Loans | 83.0% |
% Government Loans | 17.0% |
% Investor Loans | 0.0% |
% Second Loans | 14.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — Church Creek, MD
Church Creek, 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 | $1,300 |
| 2 Bedroom | N/A | N/A | $1,630 |
| 3 Bedroom | N/A | N/A | $2,280 |
| 4 Bedroom | -$3,010 | $5,750 | $2,740 |
Affordability — Church Creek, MD
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.7 |
| Median Home Price | $480,000 |
| Median Household Income | $113,000 |