Union Bridge 21791

Frederick County, MD · 2,244 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

50affordability /100

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

Payment burden
30.6%
stretched
Days on market
18
daily
Price cuts
0.0%
of active
Valuation
-66.3%
vs assessor
Look up an address
56
/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 / sellerbuyer-timing lens

64/ 100SellerBalancedBuyer
Negotiate Hard
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: 30.6% of median income. Median days on market: 31. Renting is approximately 174% cheaper than buying (price-to-rent ratio: 32.9). 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 snapshoteach number, once

Median price
$456,008
▴ 1.8% YoY
Days on market
18
daily · zip_data
Median rent
$1,156
ZORI
Investor score
35/100
cash-flow lens
Active listings
8
90-day

Valuation3 lenses, different anchors

vs assessor
-66.3%
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
+50.9%
County-wide market — the widest, slowest signal.
Frederick+50.9%
Carroll+49.7%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$204
Price-to-income5.0×

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How 21791 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 Supply15.0 mo
Days on Market18d
Inv vs History-14.9%
Listing Density--
Market dynamics
Price cut %0.0%
Momentumwarming
LeverageSELLER SLIGHT
Months of supply15
Sales (90d)0
Investment analysis
Median rent$1,156
Price-to-rent32.9
Est. cap rate2.0%
Buy vs rentfavors renting

Livability

Walk score5
Transit score
Bike score

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Frederick 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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