Conowingo, MD—21918
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Conowingo, MD
As of Oct '25, the median home price in Conowingo, MD is $388,000, with a year-over-year change of 2.8%. This indicates that home prices in Conowingo, MD are increasing. According to Zillow, the 1-year price projection is 1.6%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $388,000 | 2.8% |
| Single Family | $389,000 | 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 | $387,000 | 2.4% |
4 Bed | $468,000 | 3.3% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Conowingo, MD
As of July '25, Rentcast reports the average rent in Conowingo, MD is $1,250, with a year-over-year rent change of 0.0%. Per bedroom, the median rent as of July '25 in Conowingo, MD is 2-bedrooms: $1,250. The most common rental property sizes in Conowingo, MD are 2-bedroom and 3-bedroom, accounting for 64.7% and 29.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,250 | $1,250 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,250 | $1,250 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Conowingo, MD
As of Oct '25, Realtor.com reports that the median days on market for a home in Conowingo, MD is 98. This is a decrease of -21.0% 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 12.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $593,000 | 0.0% |
Listing Count | 16 | 15.0% |
| Listings as % of Homes | 0.5% | 15.0% |
Days on Market | 98 | -21.0% |
Demographics — Conowingo, MD
As of the latest ACS Survey released in 2023, Conowingo, MD has a population of 4,120, which has increased by 7.1% over the past 5 years. Conowingo, MD is a moderately popular place for families, as children make up 22.9% of the population. The area has a poorly educated workforce, with 14.5% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 11.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,120 | 7.1% |
% Under 18 | 22.9% | 29.4% |
% Seniors | 19.3% | 37.9% |
% WFH | 11.5% | 259.4% |
% w/ College Degree | 14.5% | 6.6% |
As of the latest ACS Survey released in 2023, Conowingo, MD is a predominantly white area, with 88.5% of the population identifying as white. The white population has shrunk by 5.7% in the last 5 years. The second most common race or ethnicity in Conowingo, MD is black, making up 2.4% of the population. Foreign-born residents account for 0.4% of the population in Conowingo, MD, and this percentage has decreased by 60.0% 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 | 88.5% | -5.7% |
% Black | 2.4% | 300.0% |
% Hispanic | 1.8% | -53.8% |
% Asian | 0.4% | 0.0% |
% Foreign Born | 0.4% | -60.0% |
Mortgage and Risk — Conowingo, MD
According to HUD data as of 2023, there were 58 mortgage originations in Conowingo, MD, of which 79.0% of loans were conventional mortgages. The average loan-to-value was 55.0%, with 21.0% above 90% LTV (very high). This implies large mortgage risk in Conowingo, MD. Investor activity is low, as 0.0% of loans were by investors. 21.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 58 |
% Conventional Loans | 79.0% |
% Government Loans | 21.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 21.0% |
Loan Activity
Rentals and Section 8 — Conowingo, MD
Conowingo, MD lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | N/A |
Total Units Section 8 | N/A |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,140 |
| 2 Bedroom | $110 | $1,250 | $1,360 |
| 3 Bedroom | N/A | N/A | $1,640 |
| 4 Bedroom | N/A | N/A | $1,860 |
Affordability — Conowingo, MD
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.2 |
| Median Home Price | $388,000 |
| Median Household Income | $81,000 |