Jefferson, MD—21755
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Jefferson, MD
As of Oct '25, the median home price in Jefferson, MD is $568,000, with a year-over-year change of 1.9%. This indicates that home prices in Jefferson, MD are increasing. According to Zillow, the 1-year price projection is -0.3%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $568,000 | 1.9% |
| Single Family | $574,000 | 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 | N/A | N/A |
3 Bed | $511,000 | 1.0% |
4 Bed | $620,000 | 0.6% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Jefferson, MD
Jefferson, MD lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| 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 | N/A | N/A |
% of Rental Stock
Property Listings — Jefferson, MD
As of Oct '25, Realtor.com reports that the median days on market for a home in Jefferson, MD is 33. This is a decrease of -54.0% 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 19.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $626,000 | -20.0% |
Listing Count | 21 | 18.0% |
| Listings as % of Homes | 0.5% | 18.0% |
Days on Market | 33 | -54.0% |
Demographics — Jefferson, MD
As of the latest ACS Survey released in 2023, Jefferson, MD has a population of 5,740, which has increased by 2.8% over the past 5 years. Jefferson, MD is a moderately popular place for families, as children make up 20.6% of the population. The area has a moderately educated workforce, with 42.2% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 19.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 5,740 | 2.8% |
% Under 18 | 20.6% | -8.8% |
% Seniors | 18.8% | 8.7% |
% WFH | 19.4% | 100.0% |
% w/ College Degree | 42.2% | -2.1% |
As of the latest ACS Survey released in 2023, Jefferson, MD is a predominantly white area, with 75.5% of the population identifying as white. The white population has shrunk by 18.5% in the last 5 years. The second most common race or ethnicity in Jefferson, MD is hispanic, making up 16.3% of the population. Foreign-born residents account for 8.9% of the population in Jefferson, MD, and this percentage has increased by 111.9% 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 | 75.5% | -18.5% |
% Black | 3.9% | 69.6% |
% Hispanic | 16.3% | 640.9% |
% Asian | 2.2% | 69.2% |
% Foreign Born | 8.9% | 111.9% |
Mortgage and Risk — Jefferson, MD
According to HUD data as of 2023, there were 174 mortgage originations in Jefferson, MD, of which 87.0% of loans were conventional mortgages. The average loan-to-value was 57.0%, with 27.0% above 90% LTV (very high). This implies large mortgage risk in Jefferson, MD. Investor activity is low, as 1.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 174 |
% Conventional Loans | 87.0% |
% Government Loans | 13.0% |
% Investor Loans | 1.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Jefferson, MD
Jefferson, MD lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 1 |
Total Units Section 8 | 1 |
% Rentals under Section 8 | 0.9% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,230 |
| 2 Bedroom | N/A | N/A | $1,390 |
| 3 Bedroom | N/A | N/A | $1,740 |
| 4 Bedroom | N/A | N/A | $2,050 |
Affordability — Jefferson, MD
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.8 |
| Median Home Price | $568,000 |
| Median Household Income | $135,000 |