Rocky Ridge, MD—21778
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Rocky Ridge, MD
As of Oct '25, the median home price in Rocky Ridge, MD is $438,000, with a year-over-year change of 6.6%. This indicates that home prices in Rocky Ridge, MD are increasing. According to Zillow, the 1-year price projection is -0.7%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $438,000 | 6.6% |
| Single Family | $439,000 | 6.3% |
| 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 — 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 |
% of Rental Stock
Property Listings — Rocky Ridge, MD
As of Oct '25, Realtor.com reports that the median days on market for a home in Rocky Ridge, MD is 11. This is a decrease of -41.0% 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 | $320,000 | -37.0% |
Listing Count | 2 | 20.0% |
| Listings as % of Homes | 0.8% | 20.0% |
Days on Market | 11 | -41.0% |
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% |
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% |
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% |
Loan Activity
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 |
Affordability — Rocky Ridge, MD
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.4 |
| Median Home Price | $438,000 |
| Median Household Income | $110,000 |