Manchester 21102

Carroll County, MD · 4,016 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

60affordability /100

Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
24.1%
affordable
Days on market
38
daily
Price cuts
29.6%
of active
Valuation
-66.1%
vs assessor
Look up an address
62
/100
stable
warming · balanced · prices rising year-over-year.

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

46/ 100SellerBalancedBuyer
Balanced Market
DOM: 44d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)40
Supply & Demand (20%)70
Buy vs Rent (15%)100
Cancellation Rate (10%)50
Days on Market (5%)40

Balanced market in 21102. List price is roughly fair — focus on condition and value. Payment burden: 24.1% of median income. Median days on market: 44. Renting is approximately 157% cheaper than buying (price-to-rent ratio: 30.8).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
WARMINGBALANCED

Market is warming with rising prices. Conditions are balanced between buyers and sellers.

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Market snapshoteach number, once

Median price
$474,307
▴ 1.6% YoY
Days on market
38
daily · zip_data
Median rent
$1,283
ZORI
Investor score
35/100
cash-flow lens
Active listings
26
90-day

Valuation3 lenses, different anchors

vs assessor
-66.1%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$161,000
county CAMA · properties_v
vs income
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+49.7%
County-wide market — the widest, slowest signal.
Carroll+49.7%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$178
Price-to-income4.0×

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How 21102 ranks in MD
percentile vs all MD ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

37SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply8.0 mo
Days on Market38d
Inv vs History+22.1%
Listing Density--
Market dynamics
Price cut %29.6%
Momentumwarming
LeverageBALANCED
Months of supply8
Sales (90d)0
Investment analysis
Median rent$1,283
Price-to-rent30.8
Est. cap rate2.1%
Buy vs rentfavors renting

Livability

Walk score1
Transit score
Bike score

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Carroll County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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