Baltimore-Columbia-Towson, MD · Maryland
Carroll County
174,318 residents170 permits TTM$115,876 median HHI9 ZIP codesUpdated April 28, 2026
Investor first look
Median home value
$406,400
ACS 5-Year
Cap rate proxy
4.0%
FMR × 0.65 ÷ Home Value
Rent-to-income
14.2%
HUD FMR ÷ ACS HHI
Net migration
+1.91%
IRS SOI
Permits (TTM)
170
Census BPS
Climate risk
59.5
FEMA NRI (0–100)
ZIP code breakdown9 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate | Rent gap |
|---|---|---|---|---|---|
| 21074 | — | — | — | 3.8% | 26.2% |
| 21102 | — | — | — | 3.5% | 26.2% |
| 21048 | — | — | — | 2.9% | 26.2% |
| 21158 | — | — | — | 4.9% | -4.2% |
| 21757 | $445,789 | $1,480 | 4.0% | 3.6% | 7.4% |
Ranked by composite score
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Demographics
Owner-occupied
83.9%
Census ACS
Vacancy rate
4.1%
Census ACS
Bachelor's degree +
39.7%
Census ACS
Rent burdened
44.5%
Census ACS (>30% income)
Median age
41.3
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 28, 2026