ZIP Code 21044 — Columbia, MD Home Prices (2026)
The typical home in ZIP 21044 (Columbia, Maryland) is worth about $548,000 at roughly $255 per square foot — 4% more expensive than the Columbia median and 86% more expensive than the typical U.S. home.
How 21044 compares
ZIP 21044 is one of the pricier ZIP codes in Columbia: its typical home value of $548,000 ranks #1 of the 3 Columbia ZIP codes we track (the citywide range runs from $488,000 in 21045 to $548,000 in 21044). Per square foot it costs about $255, against $246 for Columbia as a whole, $233 for Maryland, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 21044 | $548,000 | $255 |
| Columbia, MD | $527,000 | $246 |
| Maryland | $451,500 | $233 |
| United States | $294,000 | $195 |
Home value by size in 21044
Using this ZIP’s rate of about $255 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $255,000 |
| 1,500 sq ft | $382,500 |
| 2,000 sq ft | $510,000 |
| 2,500 sq ft | $637,500 |
| 3,000 sq ft | $765,000 |
Salary needed to buy a home in ZIP 21044
To buy the typical $548,000 home in ZIP 21044 with 20% down, you need a household income of roughly $149,000 a year (about $3,480 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $177,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $27,400 | $4,320/mo | $185,000/yr |
| 10% (+PMI) | $54,800 | $4,130/mo | $177,000/yr |
| 20% | $109,600 | $3,480/mo | $149,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 21044
At about $255 per square foot, here is roughly how much home different budgets get you in ZIP 21044:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 980 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1180 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1570 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1960 sq ft | around the typical home here |
| $600k | 2350 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 21044 home.
Estimate a specific home in 21044
The estimator below is pre-set to ZIP 21044 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Columbia ZIP codes by home value
Where 21044 sits among Columbia’s 3 ZIP codes:
ZIP 21044 home prices: frequently asked
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See the full Columbia home values page, all Maryland cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.