ZIP Code 21046 — Columbia, MD Home Prices (2026)

The typical home in ZIP 21046 (Columbia, Maryland) is worth about $527,000 at roughly $246 per square foot — about the same as the Columbia median and 79% more expensive than the typical U.S. home.

$527,000

Typical home value

$246

Price per sq ft

#2 of 3

Columbia ZIPs by value

+0%

vs Columbia median

How 21046 compares

ZIP 21046 is a mid-priced ZIP code for Columbia: its typical home value of $527,000 ranks #2 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 $246, against $246 for Columbia as a whole, $233 for Maryland, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 21046	$527,000	$246
Columbia, MD	$527,000	$246
Maryland	$451,500	$233
United States	$294,000	$195

Home value by size in 21046

Using this ZIP’s rate of about $246 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	$246,000
1,500 sq ft	$369,000
2,000 sq ft	$492,000
2,500 sq ft	$615,000
3,000 sq ft	$738,000

Salary needed to buy a home in ZIP 21046

To buy the typical $527,000 home in ZIP 21046 with 20% down, you need a household income of roughly $143,000 a year (about $3,350 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $170,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$26,400	$4,160/mo	$178,000/yr
10% (+PMI)	$52,700	$3,980/mo	$170,000/yr
20%	$105,400	$3,350/mo	$143,000/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 21046

At about $246 per square foot, here is roughly how much home different budgets get you in ZIP 21046:

Budget	Approx. size	What that looks like locally
$250k	1020 sq ft	below the local median — condos, smaller or older homes
$300k	1220 sq ft	below the local median — condos, smaller or older homes
$400k	1630 sq ft	below the local median — condos, smaller or older homes
$500k	2030 sq ft	around the typical home here
$600k	2440 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 21046 home.

Estimate a specific home in 21046

The estimator below is pre-set to ZIP 21046 — 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 21046 sits among Columbia’s 3 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	21044	$548,000	$255
2	21046 (this page)	$527,000	$246
3	21045	$488,000	$234

ZIP 21046 home prices: frequently asked

What is the average home price in ZIP code 21046? +

The typical home in ZIP 21046 (Columbia, MD) is worth about $527,000 as of 2026. That is about the same as the Columbia median of $527,000 and 79% more expensive than the U.S. median of $294,000.

What is the price per square foot in 21046? +

About $246 per square foot in 21046, versus $246 across Columbia and $233 across Maryland. At that rate a 1,500 sq ft home runs roughly $369,000 and a 2,500 sq ft home about $615,000.

What salary do you need to buy a house in ZIP 21046? +

For the typical $527,000 home in ZIP 21046, a household income of about $143,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $170,000; with 5% down about $178,000.

Is 21046 an expensive ZIP code? +

Within Columbia, 21046 ranks #2 of 3 ZIP codes by typical home value, which makes it a mid-priced ZIP code for Columbia. Nationally it is relatively expensive.

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.