Union Bridge 21791

Name: 21791 Union Bridge, MD housing market record
Creator: Lotvox
License: https://lotvox.com/terms

Frederick County, MD · 2,244 properties with county records

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Union Bridge 21791 is in Frederick, MD, part of the Washington DC Metro. The typical home value in Union Bridge 21791 is $446,754 (Zillow Home Value Index, August 2026), up 0.8% from a year earlier. Homes that sold went under contract in a median 36 days, and 0% of listings took a price cut (Redfin Data Center, period ending Aug 31, 2026). On Lotvox's market-leverage reading of that data, with 2.8 months of supply, sellers hold a slight edge. The Lotvox Turnover Index is not published for 21791 yet: it appears only where a held-out test on the county's recorded sales beats chance. Across Frederick's 23 ZIPs with a Zillow value, the middle one is $465,967, so 21791 sits 4% below the county middle. Lotvox holds county assessor records for 2,244 properties in 21791.

Headline value data through August 2026. Each source below carries its own date.

Is 21791 a buyer's or seller's market?

By Lotvox's leverage reading of Redfin data through Aug 31, 2026, 21791 is a seller's market, narrowly. Homes went under contract in a median 36 days with 2.8 months of supply.

What do homes in 21791 sell for?

The typical home value in 21791 is $446,754 (Zillow Home Value Index, August 2026), up 0.8% in a year. County records put the median at about $204 per square foot (computed Apr 21, 2026).

Who is likely to sell in 21791?

Lotvox only publishes its Turnover Index where a held-out test on recorded sales beats chance, and 21791 has not passed that test yet. When it does, the score appears here.

How does 21791 compare to Frederick?

21791's typical value of $446,754 compares with a middle value of $465,967 across Frederick's 23 ZIPs. Both are Zillow Home Value Index figures for August 2026.

Where does this 21791 data come from?

Values and rents come from Zillow's research data, sales pace from the Redfin Data Center, and property counts and turnover from county assessor and deed records. Each number on this page carries its own date, and the method is published at lotvox.com/methodology.

Sources: Zillow Home Value Index (ZHVI) (as of Aug 31, 2026) · Redfin Data Center (as of Aug 31, 2026) · Zillow Observed Rent Index (ZORI) (as of date not recorded) · county assessor records (counted Oct 15, 2026) · How Lotvox works

Cite as: Lotvox ZIP market record, 21791 Union Bridge, MD, data through August 2026, https://lotvox.com/washington-dc/zip/21791

Listings Flow Ladder — Listings flow could not be loaded (429).

Should you buy here?

buyer-timing lens

49affordability /100

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

Payment burden

32.8%

stretched

Days on market

daily

Price cuts

0.0%

of active

Valuation

-65.6%

vs assessor

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Rent vs own

Not available for this ZIP — no rent or ownership-cost estimate published here.

Rent to price

Not available for this ZIP — no price-to-rent ratio published here.

/100

mixed

warming · seller slight · 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 / seller

buyer-timing lens

Negotiate Hard

Needs 8.5% correction for affordability

DOM: 31d (rising) · Market Dynamics rolling median · hourly

Score Components

Payment Burden (25%)50

Valuation Gap (25%)60

Supply & Demand (20%)100

Buy vs Rent (15%)100

Cancellation Rate (10%)0

Days on Market (5%)40

Moderate buyer leverage in 21791. Room to negotiate 5-10% below list. Payment burden: 30.7% of median income. Median days on market: 31. Renting is approximately 175% cheaper than buying (price-to-rent ratio: 33.0). Market appears 14% overpriced vs. assessed values.

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.

WARMINGSELLER SLIGHT

Market is warming with rising prices. Sellers hold a slight edge.

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Market snapshot

each number, once

Median price

$446,754

▴ 0.8% YoY

Days on market

daily · zip_data

Median rent

$1,156

ZORI

Investor score

35/100

cash-flow lens

Active listings

90-day

Valuation

3 lenses, different anchors

vs assessor

-65.6%

Market vs assessed value — a tax-roll lag, not a deal signal.

Avg assessor$153,650

county CAMA · properties_v

vs income

—

Fair-value model not available for this market.

fair_value_scores · 10-state coverage

vs county comps

+50.6%

County-wide market — the widest, slowest signal.

Frederick+50.6%

Carroll+49.5%

Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.

Pricing detail

Price / sqft$204

Price-to-income5.1×

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How 21791 ranks in MD

percentile vs all MD ZIPs

Comparative ranking not available for this ZIP.

Affordability, supply & momentum

25SUPPLY

BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply15.0 mo

Days on Market36d

Inv vs History+22.6%

Listing Density--

Market dynamics

Price cut %0.0%

Momentumwarming

LeverageSELLER SLIGHT

Months of supply2.8

Sales (90d)14

Investment analysis

Median rent$1,156

Price-to-rent33.0

Est. cap rate2.0%

Buy vs rentfavors renting

Livability

Walk score5

Transit score—

Bike score—

Historical trends

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Housing pulse

4 charts, one facade

Housing pulse — Housing pulse could not be loaded (429).

Price bands

mix-shift

Price Bands — the median behind the median

A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Frederick.

Current tiers · 12 months to Aug 25floor 10 sales/tier

7 tiers had too few sales at every level and are left blank rather than estimated.

Tier	Median	$/sqft	Sales	Share	Source
Under $250k	—	—	—	—	fewer than 10 sales at zip, county and metro level
$250k–$500k	—	—	—	—	fewer than 10 sales at zip, county and metro level
$500k–$750k	—	—	—	—	fewer than 10 sales at zip, county and metro level
$750k–$1M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$1M–$1.5M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$1.5M–$2M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$2M+	—	—	—	—	fewer than 10 sales at zip, county and metro level
All sales (the headline median)	$383k	$199	12	100%	METRO · Frederick, MD

No mix-shift history for this area. no geography from this ZIP up to metro has 8+ quarters of 10+ recorded arms-length sales across at least 4 price tiers. Trends are drawn only from recorded transactions; the last-sale snapshot above cannot carry a time series, because a property that sold twice keeps only its latest sale — which drags the history upward through the tiers and would invent the very mix shift this section exists to test for.

National context — not local

NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 21791.

United States
South

Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.

Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.

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Frederick County context

macro · jobs · debt · migration

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

This ZIP code crosses county lines. Property data shows Frederick (52.4%) and Carroll (47.6%). County metrics below are shown separately for each county.

Frederick (52.4%)

Carroll (47.6%)

ZIP 21791→2 counties

12-Month Direction

+8Stable

Confidence

100%

DeterioratingStableImproving

BuildersLens Market Intelligence

Market Score

41· Weak

Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.

Payment Burden

32.8%

stretched

Source: Freddie Mac PMMS (FRED MORTGAGE30US) 7.4% · Zillow ZHVI · Census income · Updated 2026-10-08

Price-to-rent

32.2x

favors renting

Source: Zillow ZHVI ÷ (Zillow ZORI × 12)

Valuation21

+50.6%

overvalued

Source: Lotvox comps · Updated 2026-05-15

Supply/Demand

2.8 mo

seller's market

Source: Redfin Data Center (ZIP): inventory ÷ monthly homes sold · Updated 2026-08-31

Insurance Risk

35/100

low_risk

Source: FEMA/NFIP · Updated 2026-04

County distress indicators

ECONOMIC INDICATORS

Economic indicators remain stronger than national averages.

Unemployment Rate

Lower than most U.S. counties

Source: BLS LAUS · 2026-0845d ago

Poverty Rate

Lower than most U.S. counties

Median Household Income

Higher than most U.S. counties

Cost of Living (RPP)

Near national averages

Home Value (ZHVI)$506,702

County data: BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA · Coverage derived from property records · Counties with <2% coverage excluded as likely data errors