Sharpsburg, MD—21782
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Sharpsburg, MD
As of Oct '25, the median home price in Sharpsburg, MD is $345,000, with a year-over-year change of 5.5%. This indicates that home prices in Sharpsburg, MD are increasing. According to Zillow, the 1-year price projection is 1.7%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $345,000 | 5.5% |
| Single Family | $344,000 | 5.2% |
| 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 | $355,000 | 4.4% |
4 Bed | $472,000 | 5.4% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Sharpsburg, MD
Sharpsburg, 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 — Sharpsburg, MD
As of Oct '25, Realtor.com reports that the median days on market for a home in Sharpsburg, MD is 118. This is a increase of 84.0% from last year, suggesting that homes are sitting on the market longer 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 | $369,000 | 1.0% |
Listing Count | 11 | 6.0% |
| Listings as % of Homes | 0.7% | 6.0% |
Days on Market | 118 | 84.0% |
Demographics — Sharpsburg, MD
As of the latest ACS Survey released in 2023, Sharpsburg, MD has a population of 4,060, which has increased by 1.3% over the past 5 years. Sharpsburg, MD is a moderately popular place for families, as children make up 16.9% of the population. The area has a moderately educated workforce, with 25.1% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 14.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,060 | 1.3% |
% Under 18 | 16.9% | -17.6% |
% Seniors | 21.1% | 8.2% |
% WFH | 14.3% | 130.6% |
% w/ College Degree | 25.1% | 34.9% |
As of the latest ACS Survey released in 2023, Sharpsburg, MD is a predominantly white area, with 97.3% of the population identifying as white. The white population has grown by 0.9% in the last 5 years. The second most common race or ethnicity in Sharpsburg, MD is hispanic, making up 0.5% of the population. Foreign-born residents account for 1.2% of the population in Sharpsburg, MD, and this percentage has decreased by 33.3% 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 | 97.3% | 0.9% |
% Black | 0.0% | -100.0% |
% Hispanic | 0.5% | -82.1% |
% Asian | 0.4% | 300.0% |
% Foreign Born | 1.2% | -33.3% |
Mortgage and Risk — Sharpsburg, MD
According to HUD data as of 2023, there were 49 mortgage originations in Sharpsburg, MD, of which 73.0% of loans were conventional mortgages. The average loan-to-value was 62.0%, with 27.0% above 90% LTV (very high). This implies large mortgage risk in Sharpsburg, MD. Investor activity is low, as 2.0% of loans were by investors. 16.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 49 |
% Conventional Loans | 73.0% |
% Government Loans | 27.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 16.0% |
Loan Activity
Rentals and Section 8 — Sharpsburg, MD
Sharpsburg, MD lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 2 |
Total Units Section 8 | 2 |
% Rentals under Section 8 | 0.6% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,040 |
| 2 Bedroom | N/A | N/A | $1,370 |
| 3 Bedroom | N/A | N/A | $1,890 |
| 4 Bedroom | N/A | N/A | $2,100 |
Affordability — Sharpsburg, MD
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.5 |
| Median Home Price | $345,000 |
| Median Household Income | $89,400 |