Baltimore-Columbia-Towson, MD · Maryland
Carroll County
ZIP 21776
174,318 residents170 permits TTM$115,876 median HHI9 ZIP codesUpdated April 16, 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 21776
Median home value
$475,198
Gross yield
3.9%
Cap rate
3.5%
Rent gap
11.0%
Affordability
P/I: 4.1R/I: —
Section 8 detail
SAFMR: $1,540Rent: $1,370Gap: 12.4%
ZIP code breakdown9 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate | Rent gap |
|---|---|---|---|---|---|
| 21158 | — | — | — | 5.1% | — |
| 21074 | — | — | — | 3.9% | — |
| 21757 | $445,789 | $1,480 | 4.0% | 3.7% | 7.4% |
| 21776 | $475,198 | $1,540 | 3.9% | 3.5% | 11.0% |
| 21787 | $392,831 | $1,170 | 3.6% | 4.2% | -17.1% |
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 16, 2026