Rocky Ridge, MD 21778 - Home Prices, Rental Trends, Listings & Demographics | Prop:Metrics

Rocky Ridge, MD—21778

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value

$439,000

6.0% YoY Growth

Household Income

$110,000

58.5% YoY Growth

Days on Market

69.0% Shorter YoY

Home Price Forecast

-0.2%

Median Rent

$1,800

18.4% YoY Growth

1-Bed Rent

N/A

2-Bed Rent

N/A

3-Bed Rent

N/A

Home Price Trends — Rocky Ridge, MD

As of Dec '25, the median home price in Rocky Ridge, MD is $439,000, with a year-over-year change of 6.0%. This indicates that home prices in Rocky Ridge, MD are increasing. According to Zillow, the 1-year price projection is -0.2%, suggesting a relatively flat housing market in the next year.

Cost per Home Type

Home Type	Median Home Value	YoY % Change
All Homes	$439,000	6.0%
Single Family	$440,000	5.3%
Condos	N/A	N/A

Cost per Home Size

Home Size	Median Home Value	YoY % Change
1 Bed

Rental Trends — Rocky Ridge, MD

As of July '25, Rentcast reports the average rent in Rocky Ridge, MD is $1,800, with a year-over-year rent change of 18.4%. Per bedroom, the median rent as of July '25 in Rocky Ridge, MD is 4-bedrooms: $1,800. The most common rental property sizes in Rocky Ridge, MD are 3-bedroom and studio, accounting for 100.0% and 0.0% of the rental stock.

Type	Median Rent	Average Rent
Average Rent	$1,800	$1,800
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	$1,800	$1,800

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% of Rental Stock

3 Bedrooms

100.0%

Property Listings — Rocky Ridge, MD

As of Dec '25, Realtor.com reports that the median days on market for a home in Rocky Ridge, MD is 25. This is a decrease of -65.0% 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	$405,000	-58.0%
Listing Count	3	167.0%
Listings as % of Homes	0.8%	167.0%
Days on Market	41	-69.0%

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Demographics — Rocky Ridge, MD

As of the latest ACS Survey released in 2023, Rocky Ridge, MD has a population of 840, which has decreased by -10.6% over the past 5 years. Rocky Ridge, MD is a moderately popular place for families, as children make up 17.0% of the population. The area has a poorly educated workforce, with 23.1% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 17.3% reporting working from home.

Metric	Latest Census	YoY % Change
Population	840	-10.6%
% Under 18	17.0%	11.8%
% Seniors	28.6%	68.2%
% WFH	17.3%	260.4%
% w/ College Degree	23.1%	61.5%

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As of the latest ACS Survey released in 2023, Rocky Ridge, MD is a predominantly white area, with 100.0% of the population identifying as white. The white population has grown by 1.9% in the last 5 years. The second most common race or ethnicity in Rocky Ridge, MD is black, making up 0.0% of the population. Foreign-born residents account for 0.0% of the population in Rocky Ridge, MD, and this percentage has decreased by 100.0% 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	100.0%	1.9%
% Black	0.0%	-100.0%
% Hispanic	0.0%	-100.0%
% Asian	0.0%	N/A
% Foreign Born	0.0%	-100.0%

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Mortgage and Risk — Rocky Ridge, MD

According to HUD data as of 2023, there were 35 mortgage originations in Rocky Ridge, MD, of which 80.0% of loans were conventional mortgages. The average loan-to-value was 55.0%, with 14.0% above 90% LTV (elevated). This implies medium mortgage risk in Rocky Ridge, MD. Investor activity is low, as 0.0% of loans were by investors. 20.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

Mortgages

Metric	Zip Code Average
Total Loan Originations	35
% Conventional Loans	80.0%
% Government Loans	20.0%
% Investor Loans	0.0%
% Second Loans	0.0%
% Cash Out Refinance	20.0%

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Rentals and Section 8 — Rocky Ridge, MD

Rocky Ridge, MD lacks sufficient Section 8 program data for analysis.

Section 8 Market Size

Total Units under HUD	4
Total Units Section 8	4
% Rentals under Section 8	25.0%
% Occupied Section 8	N/A

Section 8 Opportunity

Home Size	HUD Premium	Market Rent	Max HUD Rent
1 Bedroom	N/A	N/A	$1,200
2 Bedroom	N/A	N/A	$1,370
3 Bedroom	N/A	N/A	$1,720
4 Bedroom	$210	$1,800	$2,010

Rocky Ridge, MD—21778

Key Metrics at a Glance

Home Price Trends — Rocky Ridge, MD

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Rocky Ridge, MD

% of Rental Stock

Property Listings — Rocky Ridge, MD

Demographics — Rocky Ridge, MD

Race and Ethnicity

Mortgage and Risk — Rocky Ridge, MD

Mortgages

Rentals and Section 8 — Rocky Ridge, MD

Section 8 Market Size

Section 8 Opportunity

Affordability — Rocky Ridge, MD

Home Price to Income Ratio

Rocky Ridge, MD — ZIP Code Boundary Map

Nearby ZIP Codes

Emmitsburg, MD

Keymar, MD

Thurmont, MD

Woodsboro, MD

Walkersville, MD

Frequently Asked Questions

Metric	Zip Code Average
Home Price to Income Ratio	3.4
Median Home Price	$439,000
Median Household Income	$110,000

Rocky Ridge, MD—21778

Key Metrics at a Glance

Home Price Trends — Rocky Ridge, MD

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Rocky Ridge, MD

% of Rental Stock

Property Listings — Rocky Ridge, MD

Demographics — Rocky Ridge, MD

Race and Ethnicity

Mortgage and Risk — Rocky Ridge, MD

Mortgages

Rentals and Section 8 — Rocky Ridge, MD

Section 8 Market Size

Section 8 Opportunity

Affordability — Rocky Ridge, MD

Home Price to Income Ratio

Rocky Ridge, MD — ZIP Code Boundary Map

Nearby ZIP Codes

Emmitsburg, MD

Keymar, MD

Thurmont, MD

Woodsboro, MD

Walkersville, MD

Frequently Asked Questions

What is the average home price in Rocky Ridge, MD 21778?

How have home prices in Rocky Ridge, MD 21778 changed over the past year?

What is the home price projection for Rocky Ridge, MD 21778?

What are the demographics of Rocky Ridge, MD 21778?

How long does it take homes to sell in Rocky Ridge, MD 21778?

What is the average rent price in Rocky Ridge, MD 21778?