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Sarah Mitchell
Compass Real Estate · ZIP 21045
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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21045 ZIP Code Housing Market
$484,000median sale price
What is the 21045 housing market like right now?
The median home sale price in ZIP code 21045 is $484,000, down 0.8% year-over-year. Homes sell in an average of 23 days with 57 active listings. The market is currently a balanced market. (Source: Redfin monthly MLS data, as of March 2026 — the most recent Redfin release; Redfin publishes each month's data on a ~6-week lag.)
Is the 21045 ZIP code a buyer's or seller's market?
ZIP code 21045 is currently a balanced market and homes selling in about 23 days. How we determine this →
What are the latest 21045 housing market stats?
| Metric | Value |
|---|---|
| Median sale price | $484,000 |
| Median list price | $475,000 |
| Year-over-year price change | -0.8% |
| Average days on market | 23 days |
| Active inventory | 57 listings |
| Sale-to-list price ratio | 102.5% |
| Market condition | Balanced market |
Source: Redfin · Updated monthly
The 21045 zip code, located in Columbia, MD, is currently classified as a balanced market. The median sale price stands at $484,000, representing a -0.8% change year over year. Homes in this area spend an average of 23 days on the market before going under contract. There are currently 57 active listings in the area, which influences how much negotiating power buyers and sellers have.
ZIP 21045 sits in the Columbia, MD area, roughly 1.7 miles from downtown Columbia. Because home prices are set street by street, this ZIP can move differently from Columbia's citywide averages. The figures below reflect 21045 specifically — drawn from Redfin transactions, U.S. Census data for its 40,034 residents, and Zillow value estimates.
Homes sold
115
Last 12 weeks
Days on market
23
Average pace
Active listings
57
Sale-to-list
102.5%
Above asking
What is driving the 21045 housing market?
The 21045 real estate market is shaped by a combination of local demand, housing supply, and broader economic trends. As a balanced market, homes are selling at approximately 102.5% of their listed price.
Year-over-year price trends are one of the most important indicators for both homebuyers and investors. Prices in 21045 have declined -0.8% compared to last year, which may present opportunities for buyers looking to enter the market at a lower price point. For context, it's valuable to compare this trend against neighboring zip codes and the broader metro area to determine whether this performance is localized or part of a regional pattern.
The Zillow Home Value Index (ZHVI) for 21045 stands at $491,446, which represents Zillow's estimate of the typical home value in the area. The Zillow Observed Rent Index (ZORI) indicates typical rents of $2,395 per month. This gives a price-to-rent ratio of approximately 17.1, which sits in a moderate range where the buy-versus-rent decision depends heavily on individual financial circumstances and time horizon. Use our mortgage calculator to estimate monthly payments based on current home values and interest rates.
Who lives in 21045?
Population
40,034
Median income
$118,563/yr
Median age
39.6 years
Owner-occupied
68.3%
College grads
56.6%
Avg commute
27.84 min
What is it like living in 21045?
Zip code 21045 is home to approximately 40,034 residents. The median household income is $118,563 per year, which shapes the types of homes and amenities available in the area. With a median age of 39.6 years, the community's age profile influences everything from school enrollment to local business types and recreational offerings. Approximately 68.3% of housing units are owner-occupied, indicating a stable, ownership-oriented community where residents have a vested interest in maintaining property values and neighborhood quality.
About 56.6% of residents hold a bachelor's degree or higher, which often correlates with access to knowledge-economy jobs and higher earning potential in the area. The average commute time is 27.84 minutes, which is close to the national average. These demographic factors, combined with the market data above, help paint a complete picture of what it's like to live and own property in 21045.
Which public schools serve ZIP 21045?
11 schools tracked · 7,382 students
The largest public schools serving ZIP code 21045 by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Long Reach High
Grades 9-12 · 1,448 students
Oakland Mills High
Grades 9-12 · 1,422 students
Phelps Luck Elementary
Grades PK-5 · 704 students
Waterloo Elementary
Grades PK-5 · 626 students
Lake Elkhorn Middle
Grades 6-8 · 622 students
Talbott Springs Elementary
Grades PK-5 · 488 students
Cradlerock Elementary
Grades PK-5 · 465 students
Thunder Hill Elementary
Grades K-5 · 454 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Frequently asked questions about 21045
What is the median home price in 21045?
The current median sale price in 21045 is $484,000, based on recent Redfin transaction data. Prices have changed -0.8% compared to last year. For the most up-to-date pricing and to see how this compares to nearby areas, use our comparison tool.
Is 21045 a buyer's or seller's market?
The 21045 zip code is currently classified as a balanced market. This assessment is based on key indicators including months of supply, sale-to-list price ratios, and average days on market.
What is the population of zip code 21045?
Zip code 21045 has a population of approximately 40,034 residents. The median household income is $118,563 per year. About 68.3% of homes are owner-occupied. This data is sourced from the U.S. Census Bureau and is updated annually.
How do I research neighborhoods in 21045?
Properties Incorporated provides comprehensive data for 21045 including median home prices, price history charts, days on market, active inventory, and Census Bureau demographics. To compare this area with other zip codes or cities, use our comparison tool. For mortgage planning, our mortgage calculator estimates monthly payments based on current prices and interest rates.
How often is the data for 21045 updated?
Market data on Properties Incorporated is updated regularly as new information becomes available. Redfin sales data is typically refreshed monthly, Zillow home value and rent estimates update monthly, and Census Bureau demographics are updated annually.
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