How much is a home worth in ZIP code 21085?

The typical home in 21085 is worth $369,463, based on the Zillow Home Value Index.

Are home values rising in 21085?

Home values in 21085 are up 1.0% over the past year, and up 3.5% a year over five years.

What is the typical rent in 21085?

A typical home in 21085 rents for about $1,912 a month, a gross rental yield of 6.2%.

What is the property tax rate in 21085?

The effective property tax rate in 21085 is 0.8% — roughly $2,939 a year on a typical home.

ZIP code 21085 has a population of 17,307 and a median household income of $113,714.

HousingHandbookReference data

…

U.S. ZIP Code · MD21085

Harford County · Baltimore-Columbia-Towson, MD

Typical home value

$369,463^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: +1.0%
5-year / yr: +3.5%
10-year / yr: +4.1%

Relative price

vs U.S.: +30.1%
vs metro: -24.2%
vs state: -18.0%

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 21085 is worth $369,463 — 24.2% below the Baltimore-Columbia-Towson, MD median. Over the past year, values have risen 1.0%. Homes here rent for a typical $1,912 a month — a 6.2% gross rental yield. The effective property tax rate is 0.8%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: $1,912^[2]
Gross yield: 6.2%^[2]
Cap rate: 3.7%^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: 0.8%^[3]
Typical annual tax: $2,939^[3]

#Climate risk

FEMA National Risk Index ratings for Harford County. "Not Applicable" means the hazard does not threaten the county.

Overall risk: Relatively Low^[4]
Riverine flood: Relatively Moderate
Coastal flood: Relatively Low
Wildfire: Very Low
Drought: Relatively Moderate
Heat wave: Relatively Moderate
Hurricane: Relatively Moderate
Tornado: Relatively Low
Earthquake: Relatively Low
Winter weather: Relatively High

#Who lives here

Population: 17,307^[3]
Median household income: $113,714^[3]

#Migration

Household moves in and out of Harford County over a year, from IRS tax-return data.

Net migration: -75^[5]
Moved in: 6,345
Moved out: 6,420

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools: 5
Elementary: 3
Middle: 1
High: 1

Joppatowne High
High · Grades 9–12 · Harford County Public Schools
900 students
Magnolia Middle
Middle · Grades 6–8 · Harford County Public Schools
724 students
Magnolia Elementary
Elementary · Grades PK–5 · Harford County Public Schools
527 students
Joppatowne Elementary
Elementary · Grades PK–5 · Harford County Public Schools
495 students
Riverside Elementary
Elementary · Grades PK–5 · Harford County Public Schools
465 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Home value$Monthly rent$

Gross yield6.2%

Net yield (after ~40% expenses)3.7%

Annual rent$22,938

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$1,868

Loan principal$295,570

Down payment$73,893

Total interest paid$376,983

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.27

Monthly cost to own$2,422

Monthly rent$1,912

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation: 33rd percentile^[1]
Rental yield: 54th percentile^[2]
Property tax: 21st percentile^[3]

Frequently asked

How much is a home worth in ZIP code 21085?: The typical home in 21085 is worth $369,463, based on the Zillow Home Value Index.
Are home values rising in 21085?: Home values in 21085 are up 1.0% over the past year, and up 3.5% a year over five years.
What is the typical rent in 21085?: A typical home in 21085 rents for about $1,912 a month, a gross rental yield of 6.2%.
What is the property tax rate in 21085?: The effective property tax rate in 21085 is 0.8% — roughly $2,939 a year on a typical home.
Who lives in 21085?: ZIP code 21085 has a population of 17,307 and a median household income of $113,714.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

21133 vs 21085 →
Randallstown CDP, MD
Typical home
$368,306
Gross yield
4.8%
21208 vs 21085 →
Pikesville CDP, MD
Typical home
$376,541
Gross yield
6.9%
21009
Bel Air South CDP, MD
Typical home
$377,504
Gross yield
6.9%
21061
Glen Burnie CDP, MD
Typical home
$380,930
Gross yield
5.3%
21052
Edgemere CDP, MD
Typical home
$355,397
Gross yield
—
21607
Barclay, MD
Typical home
$387,144
Gross yield
—

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#Jump to section

U.S. ZIP Code · MD21085

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