Westminster 21158

Carroll County, MD · 7,186 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

56affordability /100

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

Payment burden
26.7%
affordable
Days on market
40
daily
Price cuts
28.6%
of active
Valuation
-36.5%
vs assessor
Look up an address
61
/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

50/ 100SellerBalancedBuyer
Balanced Market
DOM: 57d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)25
Valuation Gap (25%)60
Supply & Demand (20%)70
Buy vs Rent (15%)75
Cancellation Rate (10%)0
Days on Market (5%)60

Balanced market in 21158. List price is roughly fair — focus on condition and value. Payment burden: 26.7% of median income. Median days on market: 57. Renting is approximately 95% cheaper than buying (price-to-rent ratio: 23.4).

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
$478,543
▴ 1.3% YoY
Days on market
40
daily · zip_data
Median rent
$1,704
ZORI
Investor score
43/100
cash-flow lens
Active listings
30
90-day

Valuation3 lenses, different anchors

vs assessor
-36.5%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$303,700
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-income4.4×

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How 21158 ranks in MD
percentile vs all MD ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

43SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply7.3 mo
Days on Market40d
Inv vs History+6.8%
Listing Density--
Market dynamics
Price cut %28.6%
Momentumwarming
LeverageBALANCED
Months of supply7.3
Sales (90d)0
Investment analysis
Median rent$1,704
Price-to-rent23.4
Est. cap rate2.8%
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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