Elkton 21921
Cecil County, MD · 16,252 properties · updated 7/5/2026
Should you buy here?buyer-timing lens
56affordability /100
Buyer leverage is seller slight; weigh payment burden and the 3-lens valuation before bidding.
Payment burden
26.8%
affordable
Days on market
23
daily
Price cuts
17.0%
of active
Valuation
-35.9%
vs assessor
63
/100
stable
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
Balanced Market
DOM: 35d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)25
Valuation Gap (25%)40
Supply & Demand (20%)70
Buy vs Rent (15%)50
Cancellation Rate (10%)0
Days on Market (5%)40
Balanced market in 21921. List price is roughly fair — focus on condition and value. Payment burden: 26.9% of median income. Median days on market: 35. Renting is approximately 36% cheaper than buying (price-to-rent ratio: 16.3).
Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
WARMINGSELLER SLIGHT
Market is warming with rising prices. Sellers hold a slight edge.
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Market snapshoteach number, once
Median price
$374,424
▴ 1.5% YoY
Days on market
23
daily · zip_data
Median rent
$1,913
ZORI
Investor score
67/100
cash-flow lens
Active listings
103
90-day
Valuation3 lenses, different anchors
vs assessor
-35.9%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$239,900
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+50.2%
County-wide market — the widest, slowest signal.
Cecil+50.2%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$156
Price-to-income4.4×
How 21921 ranks in MD
percentile vs all MD ZIPs
Comparative ranking not available for this ZIP.
Affordability, supply & momentum
46SUPPLY
BalancedSupply Tightness
Supply and demand are roughly even — standard negotiation dynamics.
Months of Supply6.5 mo
Days on Market23d
Inv vs History+54.7%
Listing Density--
Market dynamics
Price cut %17.0%
Momentumwarming
LeverageSELLER SLIGHT
Months of supply6.5
Sales (90d)0
Investment analysis
Median rent$1,913
Price-to-rent16.3
Est. cap rate4.0%
Buy vs rentneutral
Livability
Walk score4
Transit score3
Bike score—
Historical trends
Cecil County contextmacro · jobs · debt · migration
ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.