Smithsburg, MD 21783 - Home Prices, Rental Trends, Listings & Demographics | Prop:Metrics

Smithsburg, MD—21783

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value

$363,000

4.0% YoY Growth

Household Income

$96,100

22.6% YoY Growth

Days on Market

63.0% Longer YoY

Home Price Forecast

2.2%

Median Rent

$875

35.0% YoY Growth

1-Bed Rent

$875

6.4% YoY Growth

2-Bed Rent

$1,200

3.4% YoY Growth

3-Bed Rent

N/A

Home Price Trends — Smithsburg, MD

As of Dec '25, the median home price in Smithsburg, MD is $363,000, with a year-over-year change of 4.0%. This indicates that home prices in Smithsburg, MD are increasing. According to Zillow, the 1-year price projection is 2.2%, suggesting an increase housing market in the next year.

Cost per Home Type

Home Type	Median Home Value	YoY % Change
All Homes	$363,000	4.0%
Single Family	$365,000	3.7%
Condos	N/A	N/A

Cost per Home Size

Home Size	Median Home Value	YoY % Change
1 Bed

Rental Trends — Smithsburg, MD

As of July '25, Rentcast reports the average rent in Smithsburg, MD is $1,040, with a year-over-year rent change of -35.0%. Per bedroom, the median rent as of July '25 in Smithsburg, MD is 1-bedrooms: $875, 2-bedrooms: $1,200. The most common rental property sizes in Smithsburg, MD are 2-bedroom and 3-bedroom, accounting for 46.7% and 29.1% of the rental stock.

Type	Median Rent	Average Rent
Average Rent	$875	$1,040
Studio Rent	N/A	N/A
1 Bed Rent	$875	$875
2 Bed Rent	$1,200	$1,200
3 Bed Rent	N/A	N/A
4 Bed Rent	N/A	N/A

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% of Rental Stock

1 Bedroom

6.5%

2 Bedrooms

46.7%

3 Bedrooms

29.1%

4 Bedrooms

9.0%

5+ Bedrooms

8.7%

Property Listings — Smithsburg, MD

As of Dec '25, Realtor.com reports that the median days on market for a home in Smithsburg, MD is 46. This is a increase of 93.0% 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 20.0%, representing a small inventory and little supply pressure on home prices.

Metric	Zip Code Average	Year over Year % Change
Median Listing Price	$450,000	0.0%
Listing Count	22	6.0%
Listings as % of Homes	0.6%	6.0%
Days on Market	53	63.0%

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Demographics — Smithsburg, MD

As of the latest ACS Survey released in 2023, Smithsburg, MD has a population of 9,880, which has increased by 9.5% over the past 5 years. Smithsburg, MD is a moderately popular place for families, as children make up 21.6% of the population. The area has a poorly educated workforce, with 21.3% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 10.5% reporting working from home.

Metric	Latest Census	YoY % Change
Population	9,880	9.5%
% Under 18	21.6%	-14.6%
% Seniors	17.2%	4.9%
% WFH	10.5%	150.0%
% w/ College Degree	21.3%	-15.8%

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As of the latest ACS Survey released in 2023, Smithsburg, MD is a predominantly white area, with 93.3% of the population identifying as white. The white population has grown by 1.0% in the last 5 years. The second most common race or ethnicity in Smithsburg, MD is hispanic, making up 2.0% of the population. Foreign-born residents account for 2.1% of the population in Smithsburg, MD, and this percentage has decreased by 27.6% 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	93.3%	1.0%
% Black	1.6%	-5.9%
% Hispanic	2.0%	-47.4%
% Asian	0.7%	-12.5%
% Foreign Born	2.1%	-27.6%

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Mortgage and Risk — Smithsburg, MD

According to HUD data as of 2023, there were 93 mortgage originations in Smithsburg, MD, of which 77.0% of loans were conventional mortgages. The average loan-to-value was 63.0%, with 31.0% above 90% LTV (very high). This implies large mortgage risk in Smithsburg, MD. Investor activity is low, as 3.0% of loans were by investors. 18.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

Mortgages

Metric	Zip Code Average
Total Loan Originations	93
% Conventional Loans	77.0%
% Government Loans	23.0%
% Investor Loans	3.0%
% Second Loans	0.0%
% Cash Out Refinance	18.0%

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Rentals and Section 8 — Smithsburg, MD

Smithsburg, MD lacks sufficient Section 8 program data for analysis.

Section 8 Market Size

Total Units under HUD	83
Total Units Section 8	83
% Rentals under Section 8	9.5%
% Occupied Section 8	81.8%

Section 8 Opportunity

Home Size	HUD Premium	Market Rent	Max HUD Rent
1 Bedroom	$165	$875	$1,040
2 Bedroom	$140	$1,200	$1,340
3 Bedroom	N/A	N/A	$1,820
4 Bedroom	N/A	N/A	$2,040

Smithsburg, MD—21783

Key Metrics at a Glance

Home Price Trends — Smithsburg, MD

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Smithsburg, MD

% of Rental Stock

Property Listings — Smithsburg, MD

Demographics — Smithsburg, MD

Race and Ethnicity

Mortgage and Risk — Smithsburg, MD

Mortgages

Rentals and Section 8 — Smithsburg, MD

Section 8 Market Size

Section 8 Opportunity

Affordability — Smithsburg, MD

Home Price to Income Ratio

Smithsburg, MD — ZIP Code Boundary Map

Nearby ZIP Codes

Cascade, MD

Sabillasville, MD

Paramount-Long Meadow, MD

Myersville, MD

Waynesboro, PA

Frequently Asked Questions

Metric	Zip Code Average
Home Price to Income Ratio	3.4
Median Home Price	$363,000
Median Household Income	$96,100

Smithsburg, MD—21783

Key Metrics at a Glance

Home Price Trends — Smithsburg, MD

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Smithsburg, MD

% of Rental Stock

Property Listings — Smithsburg, MD

Demographics — Smithsburg, MD

Race and Ethnicity

Mortgage and Risk — Smithsburg, MD

Mortgages

Rentals and Section 8 — Smithsburg, MD

Section 8 Market Size

Section 8 Opportunity

Affordability — Smithsburg, MD

Home Price to Income Ratio

Smithsburg, MD — ZIP Code Boundary Map

Nearby ZIP Codes

Cascade, MD

Sabillasville, MD

Paramount-Long Meadow, MD

Myersville, MD

Waynesboro, PA

Frequently Asked Questions

What is the average home price in Smithsburg, MD 21783?

How have home prices in Smithsburg, MD 21783 changed over the past year?

What is the home price projection for Smithsburg, MD 21783?

What are the demographics of Smithsburg, MD 21783?

How long does it take homes to sell in Smithsburg, MD 21783?

What is the average rent price in Smithsburg, MD 21783?