Churchville, MD—21028
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Churchville, MD
As of Nov '25, the median home price in Churchville, MD is $521,000, with a year-over-year change of 2.7%. This indicates that home prices in Churchville, MD are increasing. According to Zillow, the 1-year price projection is 0.5%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $521,000 | 2.7% |
| Single Family | $521,000 | 2.8% |
| 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 | $439,000 | 2.3% |
4 Bed | $614,000 | 1.2% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Churchville, MD
As of July '25, Rentcast reports the average rent in Churchville, MD is $3,800, with a year-over-year rent change of 52.0%. Per bedroom, the median rent as of July '25 in Churchville, MD is 4-bedrooms: $3,800. The most common rental property sizes in Churchville, MD are 3-bedroom and 2-bedroom, accounting for 75.3% and 20.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $3,800 | $3,800 |
| 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 | $3,800 | $3,800 |
% of Rental Stock
Property Listings — Churchville, MD
As of Nov '25, Realtor.com reports that the median days on market for a home in Churchville, MD is 23. This is a decrease of -54.0% 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 36.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $568,000 | -20.0% |
Listing Count | 11 | 6.0% |
| Listings as % of Homes | 0.6% | 6.0% |
Days on Market | 23 | -54.0% |
Demographics — Churchville, MD
As of the latest ACS Survey released in 2023, Churchville, MD has a population of 2,870, which has decreased by -4.9% over the past 5 years. Churchville, MD is a moderately popular place for families, as children make up 17.9% of the population. The area has a highly educated workforce, with 50.0% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 21.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 2,870 | -4.9% |
% Under 18 | 17.9% | -5.8% |
% Seniors | 20.8% | -8.8% |
% WFH | 21.7% | 703.7% |
% w/ College Degree | 50.0% | 20.8% |
As of the latest ACS Survey released in 2023, Churchville, MD is a predominantly white area, with 85.7% of the population identifying as white. The white population has shrunk by 5.5% in the last 5 years. The second most common race or ethnicity in Churchville, MD is hispanic, making up 5.0% of the population. Foreign-born residents account for 2.6% of the population in Churchville, MD, and this percentage has decreased by 46.9% 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 | 85.7% | -5.5% |
% Black | 1.3% | 30.0% |
% Hispanic | 5.0% | 61.3% |
% Asian | 1.4% | -66.7% |
% Foreign Born | 2.6% | -46.9% |
Mortgage and Risk — Churchville, MD
According to HUD data as of 2023, there were 51 mortgage originations in Churchville, MD, of which 90.0% of loans were conventional mortgages. The average loan-to-value was 40.0%, with 12.0% above 90% LTV (elevated). This implies medium mortgage risk in Churchville, MD. Investor activity is low, as 0.0% of loans were by investors. 22.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 51 |
% Conventional Loans | 90.0% |
% Government Loans | 10.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 22.0% |
Rentals and Section 8 — Churchville, MD
Churchville, 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 | 1.3% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,890 |
| 2 Bedroom | N/A | N/A | $2,310 |
| 3 Bedroom | N/A | N/A | $2,970 |
| 4 Bedroom | -$480 | $3,800 | $3,320 |
Affordability — Churchville, MD
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.5 |
| Median Home Price | $521,000 |
| Median Household Income | $134,000 |