Union Bridge, MD—21791
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Union Bridge, MD
As of Oct '25, the median home price in Union Bridge, MD is $441,000, with a year-over-year change of 2.8%. This indicates that home prices in Union Bridge, MD are increasing. According to Zillow, the 1-year price projection is -0.3%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $441,000 | 2.8% |
| Single Family | $441,000 | 2.6% |
| 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 | $418,000 | 2.5% |
4 Bed | $529,000 | 2.9% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Union Bridge, MD
As of July '25, Rentcast reports the average rent in Union Bridge, MD is $2,850, with a year-over-year rent change of 105.0%. Per bedroom, the median rent as of July '25 in Union Bridge, MD is 3-bedrooms: $2,850. The most common rental property sizes in Union Bridge, MD are 2-bedroom and 3-bedroom, accounting for 39.2% and 35.6% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,850 | $2,850 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $2,850 | $2,850 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Union Bridge, MD
As of Oct '25, Realtor.com reports that the median days on market for a home in Union Bridge, MD is 24. This is a decrease of -44.0% 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 | $636,000 | 69.0% |
Listing Count | 18 | 78.0% |
| Listings as % of Homes | 0.4% | 78.0% |
Days on Market | 24 | -44.0% |
Demographics — Union Bridge, MD
As of the latest ACS Survey released in 2023, Union Bridge, MD has a population of 4,730, which has decreased by -11.1% over the past 5 years. Union Bridge, MD is a moderately popular place for families, as children make up 21.8% of the population. The area has a moderately educated workforce, with 26.3% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,730 | -11.1% |
% Under 18 | 21.8% | 17.2% |
% Seniors | 19.3% | -14.2% |
% WFH | 8.1% | -18.2% |
% w/ College Degree | 26.3% | 11.0% |
As of the latest ACS Survey released in 2023, Union Bridge, MD is a predominantly white area, with 93.6% of the population identifying as white. The white population has grown by 0.5% in the last 5 years. The second most common race or ethnicity in Union Bridge, MD is asian, making up 2.4% of the population. Foreign-born residents account for 2.5% of the population in Union Bridge, MD, and this percentage has increased by 47.1% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 93.6% | 0.5% |
% Black | 1.8% | -33.3% |
% Hispanic | 1.1% | -52.2% |
% Asian | 2.4% | 200.0% |
% Foreign Born | 2.5% | 47.1% |
Mortgage and Risk — Union Bridge, MD
According to HUD data as of 2023, there were 127 mortgage originations in Union Bridge, MD, of which 87.0% of loans were conventional mortgages. The average loan-to-value was 53.0%, with 19.0% above 90% LTV (elevated). This implies medium mortgage risk in Union Bridge, MD. Investor activity is low, as 1.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 127 |
% Conventional Loans | 87.0% |
% Government Loans | 13.0% |
% Investor Loans | 1.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Union Bridge, MD
Union Bridge, MD lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 34 |
Total Units Section 8 | 34 |
% Rentals under Section 8 | 11.4% |
% Occupied Section 8 | 76.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,260 |
| 2 Bedroom | N/A | N/A | $1,480 |
| 3 Bedroom | -$970 | $2,850 | $1,880 |
| 4 Bedroom | N/A | N/A | $2,160 |
Affordability — Union Bridge, MD
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.3 |
| Median Home Price | $441,000 |
| Median Household Income | $90,500 |