Baltimore-Columbia-Towson, MD · Maryland
Howard County
ZIP 21104
333,916 residents580 permits TTM$146,982 median HHI20 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$576,700
ACS 5-Year
Cap rate proxy
4.2%
FMR × 0.65 ÷ Home Value
Rent-to-income
16.6%
HUD FMR ÷ ACS HHI
Net migration
+2.66%
IRS SOI
Permits (TTM)
580
Census BPS
Climate risk
72.4
FEMA NRI (0–100)
ZIP 21104
Median home value
—
Gross yield
—
Buy Box score
0.9
Section 8 gap
—
Affordability
P/I: 4.9R/I: —
Section 8 detail
SAFMR: —Rent: —Gap: —
ZIP code breakdown20 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate ↓ | Rent gap |
|---|---|---|---|---|---|
| 21075 | — | — | — | 5.5% | — |
| 20701 | — | — | — | 5.3% | — |
| 21045 | — | — | — | 5.2% | — |
| 20794 | — | — | — | 5.1% | — |
| 20763 | — | — | — | 5.0% | — |
| 21044 | — | — | — | 4.9% | — |
| 21042 | — | — | — | 4.6% | — |
| 21046 | — | — | — | 4.5% | — |
| 21723 | — | — | — | 4.2% | — |
| 20723 | — | — | — | 4.1% | — |
| 21043 | — | — | — | 4.1% | — |
| 21104 | — | — | — | 3.4% | — |
| 21797 | $792,548 | $2,150 | 3.3% | 3.1% | 5.2% |
| 20777 | $972,856 | $2,720 | 3.4% | 2.5% | 25.1% |
| 21738 | — | — | — | 2.5% | — |
| 20759 | — | — | — | 2.5% | — |
| 21036 | — | — | — | 2.5% | — |
| 21794 | — | — | — | 2.4% | — |
| 21029 | — | — | — | 2.4% | — |
| 21737 | — | — | — | 2.1% | — |
Sort by any column. Click a ZIP for detail. Rent gap: green = HUD FMR above market rent.
Demographics
Owner-occupied
71.7%
Census ACS
Vacancy rate
3.6%
Census ACS
Bachelor's degree +
64.5%
Census ACS
Rent burdened
45.9%
Census ACS (>30% income)
Median age
39.4
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