Point of Rocks, MD—21777
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Point of Rocks, MD
As of Oct '25, the median home price in Point of Rocks, MD is $516,000, with a year-over-year change of 0.9%. This indicates that home prices in Point of Rocks, MD are flat. 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 | $516,000 | 0.9% |
| Single Family | $517,000 | 0.6% |
| 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 | N/A | N/A |
4 Bed | $592,000 | -0.5% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Point of Rocks, MD
As of July '25, Rentcast reports the average rent in Point of Rocks, MD is $3,300, with a year-over-year rent change of 24.1%. Per bedroom, the median rent as of July '25 in Point of Rocks, MD is 4-bedrooms: $3,300. The most common rental property sizes in Point of Rocks, MD are 3-bedroom and studio, accounting for 100.0% and 0.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $3,300 | $3,300 |
| 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 | $3,300 | $3,300 |
% of Rental Stock
Property Listings — Point of Rocks, MD
As of Oct '25, Realtor.com reports that the median days on market for a home in Point of Rocks, MD is 14. This is a decrease of -36.0% 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 | $612,000 | 0.0% |
Listing Count | 2 | -14.0% |
| Listings as % of Homes | 0.3% | -14.0% |
Days on Market | 14 | -36.0% |
Demographics — Point of Rocks, MD
As of the latest ACS Survey released in 2023, Point of Rocks, MD has a population of 2,330, which has increased by 19.6% over the past 5 years. Point of Rocks, MD is a moderately popular place for families, as children make up 19.3% of the population. The area has a moderately educated workforce, with 41.8% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 22.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 2,330 | 19.6% |
% Under 18 | 19.3% | -39.7% |
% Seniors | 11.5% | 25.0% |
% WFH | 22.8% | 300.0% |
% w/ College Degree | 41.8% | -20.1% |
As of the latest ACS Survey released in 2023, Point of Rocks, MD is a predominantly white area, with 67.0% of the population identifying as white. The white population has shrunk by 17.4% in the last 5 years. The second most common race or ethnicity in Point of Rocks, MD is hispanic, making up 15.9% of the population. Foreign-born residents account for 6.5% of the population in Point of Rocks, MD, and this percentage has decreased by 13.3% 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 | 67.0% | -17.4% |
% Black | 14.0% | 97.2% |
% Hispanic | 15.9% | 278.6% |
% Asian | 5.7% | 29.5% |
% Foreign Born | 6.5% | -13.3% |
Mortgage and Risk — Point of Rocks, MD
According to HUD data as of 2023, there were 75 mortgage originations in Point of Rocks, MD, of which 79.0% of loans were conventional mortgages. The average loan-to-value was 56.0%, with 33.0% above 90% LTV (very high). This implies large mortgage risk in Point of Rocks, MD. Investor activity is low, as 1.0% of loans were by investors. 7.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 75 |
% Conventional Loans | 79.0% |
% Government Loans | 21.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 7.0% |
Loan Activity
Rentals and Section 8 — Point of Rocks, MD
Point of Rocks, 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 | $1,730 |
| 2 Bedroom | N/A | N/A | $1,950 |
| 3 Bedroom | N/A | N/A | $2,440 |
| 4 Bedroom | -$420 | $3,300 | $2,880 |
Affordability — Point of Rocks, MD
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.5 |
| Median Home Price | $516,000 |
| Median Household Income | $137,000 |