Zip lookup · MD

21054
Gambrills, Maryland.

Gambrills, Anne Arundel County, MD · Baltimore-Columbia-Towson, MD metro · population 16,386

What it costs per month · 21054 $3,180/mo

to buy the typical home at today's mortgage rate — +$1,509 (+90%) since Jan 2020.

What the home itself did
1 year
Up $6,372 +1%
$599,443$605,815 since Sep 2025
5 years
Up $78,911 +15%
$526,903$605,815 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$1,000 $2,000 $3,000 2002 2006 2010 2014 2018 2022 2026 21054 $3,180 United States $1,922
$1,000 $2,000 $3,000 2002 2010 2018 2026
  • 21054$3,180
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 25 years.

Typical home values in zip 21054 rose 1.1% over the past year — in step with the nation.

Asking rents in zip 21054 rose 3.1% over the past year — faster than the nation's +2.7%.

Owning the typical home in zip 21054 runs $1,465/mo more than renting one. The gap peaked at $1,716 in Jan 2025.

That is $4,255 a month against $2,790 rent: a $3,180 mortgage payment, plus $427 property tax and $649 insurance & upkeep.

Owning vs renting — zip 21054

The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.

$2,500 $3,000 $3,500 $4,000 2024 2025 2026 Owning all in $4,255 Renting $2,790 Mortgage only $3,180
$2,500 $3,000 $3,500 $4,000 2024 2025 2026
  • Owning all in$4,255
  • Renting$2,790
  • Mortgage only$3,180

Property tax · $427/mo 0.85% of value a year — the ACS 2020-2024 median bill over the median home value for Anne Arundel County, MD

Insurance & upkeep · $649/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.

Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.

Zillow also publishes an index for the city itself: Gambrills, MD — measured over the city limits, which is a different area from this zip.

Asking rent $2,790 as of Sep 2026
+3.1%year on year
Typical home value $605,815 as of Sep 2026
+1.1%year on year

Asking rent — 21054

Against the Baltimore-Columbia-Towson, MD metro and the national benchmark.

$1,750 $2,000 $2,250 $2,500 $2,750 2024 2025 2026 21054 $2,790 Baltimore $1,937 United States $1,932
$1,750 $2,000 $2,250 $2,500 $2,750 2024 2025 2026
  • 21054$2,790
  • Baltimore$1,937
  • United States$1,932

Typical home value — 21054

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $400,000 $600,000 2018 2020 2022 2024 2026 21054 $605,815 Baltimore $396,959 United States $366,157
$200,000 $400,000 $600,000 2018 2022 2026
  • 21054$605,815
  • Baltimore$396,959
  • United States$366,157

Within 20 miles

Showing 30 of 103 zips in range — sorting picks from all 103.

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
1.3 21114 Crofton 25,590 $2,439 $489,023
3.1 21113 Odenton 36,705 $2,481 $464,884
3.6 21032 Crownsville 8,850 — $664,239
4.6 20715 Bowie 26,915 $2,596 $482,825
5.1 21108 Millersville 18,643 $2,217 $611,693
6.4 21035 Davidsonville 7,879 — $964,818
6.5 20720 Bowie 25,015 $3,374 $569,004
6.5 21405 Annapolis 495 — $1,561,934
6.5 21144 Severn 37,118 $2,234 $515,300
6.9 21401 Annapolis 38,629 $2,358 $629,733
6.9 21140 Riva 4,417 — $654,371
7.1 21146 Severna Park 28,591 $3,374 $743,311
7.2 20716 Bowie 22,362 $2,445 $459,879
7.4 20724 Laurel 19,369 $2,453 $463,013
8.2 20769 Glenn Dale 6,947 — $634,104
8.9 20708 Laurel 27,593 $1,653 $480,603
9.3 21077 Harmans 63 — $453,599
9.4 21012 Arnold 22,570 $2,878 $591,946
9.5 20701 Annapolis Junction 513 $2,415 —
9.5 21061 Glen Burnie 57,230 $1,713 $375,161
9.6 20721 Bowie 31,032 $2,431 $582,619
10.2 21076 Hanover 24,268 $2,632 $531,302
10.3 21037 Edgewater 20,854 $3,248 $576,868
10.5 20706 Lanham 42,612 $2,137 $428,395
10.7 20794 Jessup 16,814 $2,147 $486,441
10.9 21060 Glen Burnie 39,730 $1,768 $413,535
11.1 21122 Pasadena 61,566 $2,538 $450,783
11.1 21403 Annapolis 32,681 $2,144 $619,791
11.2 20763 Savage 2,601 — $485,150
11.4 20776 Harwood 3,315 — $762,579

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.