Henderson 21640

Name: 21640 Henderson, MD housing market record
Creator: Lotvox
License: https://lotvox.com/terms

Caroline County, MD · 563 properties with county records

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Henderson 21640 is in Caroline, MD. The typical home value in Henderson 21640 is $397,643 (Zillow Home Value Index, August 2026), up 2.2% from a year earlier. Homes that sold went under contract in a median 51 days, and 0% of listings took a price cut (Redfin Data Center, period ending Aug 31, 2026). On Lotvox's market-leverage reading of that data, with 1.5 months of supply, sellers hold a slight edge. The Lotvox Turnover Index is not published for 21640 yet: it appears only where a held-out test on the county's recorded sales beats chance. Across Caroline's 7 ZIPs with a Zillow value, the middle one is $338,396, so 21640 sits 18% above the county middle. Lotvox holds county assessor records for 563 properties in 21640.

Headline value data through August 2026. Each source below carries its own date.

Is 21640 a buyer's or seller's market?

By Lotvox's leverage reading of Redfin data through Aug 31, 2026, 21640 is a seller's market, narrowly. Homes went under contract in a median 51 days with 1.5 months of supply.

What do homes in 21640 sell for?

The typical home value in 21640 is $397,643 (Zillow Home Value Index, August 2026), up 2.2% in a year. County records put the median at about $167 per square foot (computed Apr 21, 2026).

Who is likely to sell in 21640?

Lotvox only publishes its Turnover Index where a held-out test on recorded sales beats chance, and 21640 has not passed that test yet. When it does, the score appears here.

How does 21640 compare to Caroline?

21640's typical value of $397,643 compares with a middle value of $338,396 across Caroline's 7 ZIPs. Both are Zillow Home Value Index figures for August 2026.

Where does this 21640 data come from?

Values and rents come from Zillow's research data, sales pace from the Redfin Data Center, and property counts and turnover from county assessor and deed records. Each number on this page carries its own date, and the method is published at lotvox.com/methodology.

Sources: Zillow Home Value Index (ZHVI) (as of Aug 31, 2026) · Redfin Data Center (as of Aug 31, 2026) · Zillow Observed Rent Index (ZORI) (as of date not recorded) · county assessor records (counted Oct 15, 2026) · How Lotvox works

Cite as: Lotvox ZIP market record, 21640 Henderson, MD, data through August 2026, https://lotvox.com/caroline-county-md/zip/21640

Listings Flow Ladder — Listings flow could not be loaded (429).

Should you buy here?

buyer-timing lens

39affordability /100

Buyer leverage is seller slight; weigh payment burden and the 3-lens valuation before bidding.

Payment burden

40.1%

severe

Days on market

daily

Price cuts

0.0%

of active

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Rent vs own

Not available for this ZIP — no rent or ownership-cost estimate published here.

Rent to price

Not available for this ZIP — no price-to-rent ratio published here.

/100

mixed

warming · seller slight · prices rising year-over-year.

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / seller

buyer-timing lens

Negotiate Hard

Needs 25.2% correction for affordability

Score Components

Payment Burden (25%)75

Valuation Gap (25%)80

Buy vs Rent (15%)75

Days on Market (5%)20

Moderate buyer leverage in 21640. Room to negotiate 5-10% below list. Payment burden: 37.3% of median income. A 6% price correction needed to reach 30% affordability threshold. Median days on market: 19. Renting is approximately 71% cheaper than buying (price-to-rent ratio: 20.5). Market appears 25% overpriced vs. assessed values.

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.

WARMINGSELLER SLIGHT

Market is warming with rising prices. Sellers hold a slight edge.

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<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/caroline-county-md/zip/21640?utm_source=embed&utm_medium=backlink">Henderson 21640 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshot

each number, once

Median price

$397,643

▴ 2.2% YoY

Days on market

daily · zip_data

Median rent

$1,650

ZORI

Investor score

53/100

cash-flow lens

Active listings

90-day

Valuation

3 lenses, different anchors

vs assessor

—

Market vs assessed value — a tax-roll lag, not a deal signal.

Avg assessor$0

county CAMA · properties_v

vs income

—

Fair-value model not available for this market.

fair_value_scores · 10-state coverage

vs county comps

+61.0%

County-wide market — the widest, slowest signal.

Caroline+61.0%

Queen Anne's+43.1%

Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.

Pricing detail

Price / sqft$167

Price-to-income6.1×

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How 21640 ranks in MD

percentile vs all MD ZIPs

Comparative ranking not available for this ZIP.

Affordability, supply & momentum

64SUPPLY

Tight MarketSupply Tightness

Supply is below normal — sellers are favored but buyers still have options.

Months of Supply--

Days on Market51d

Inv vs History-43.3%

Listing Density--

Market dynamics

Price cut %0.0%

Momentumwarming

LeverageSELLER SLIGHT

Months of supply1.5

Sales (90d)2

Investment analysis

Median rent$1,650

Price-to-rent20.5

Est. cap rate3.2%

Buy vs rentfavors renting

Livability

Walk score6

Transit score—

Bike score—

Historical trends

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Housing pulse

4 charts, one facade

Housing pulse — Housing pulse could not be loaded (429).

Price bands

mix-shift

Price Bands — the median behind the median

A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Caroline.

Current tiers · 12 months to Invalid Datefloor 10 sales/tier

7 tiers had too few sales at every level and are left blank rather than estimated.

Tier	Median	$/sqft	Sales	Share	Source
Under $250k	—	—	—	—	fewer than 10 sales at zip, county and metro level
$250k–$500k	—	—	—	—	fewer than 10 sales at zip, county and metro level
$500k–$750k	—	—	—	—	fewer than 10 sales at zip, county and metro level
$750k–$1M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$1M–$1.5M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$1.5M–$2M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$2M+	—	—	—	—	fewer than 10 sales at zip, county and metro level

No mix-shift history for this area. no geography from this ZIP up to metro has 8+ quarters of 10+ recorded arms-length sales across at least 4 price tiers. Trends are drawn only from recorded transactions; the last-sale snapshot above cannot carry a time series, because a property that sold twice keeps only its latest sale — which drags the history upward through the tiers and would invent the very mix shift this section exists to test for.

National context — not local

NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 21640.

United States
South

Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.

Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.

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Caroline County context

macro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

This ZIP code crosses county lines. Property data shows Caroline (90.2%) and Queen Anne's (9.8%). County metrics below are shown separately for each county.

Caroline (90.2%)

Queen Anne's (9.8%)

ZIP 21640→2 counties

12-Month Direction

-19Moderate Deterioration

Confidence

100%

DeterioratingStableImproving

BuildersLens Market Intelligence

Market Score

48· Weak

Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.

Payment Burden

40.1%

severe

Source: Freddie Mac PMMS (FRED MORTGAGE30US) 7.4% · Zillow ZHVI · Census income · Updated 2026-10-08

Price-to-rent

20.1x

favors renting

Source: Zillow ZHVI ÷ (Zillow ZORI × 12)

Valuation7

+61%

overvalued

Source: Lotvox comps · Updated 2026-05-15

Supply/Demand

1.5 mo

seller's market

Source: Redfin Data Center (ZIP): inventory ÷ monthly homes sold · Updated 2026-08-31

Insurance Risk

38/100

moderate

Source: FEMA/NFIP · Updated 2026-04

County distress indicators

ECONOMIC INDICATORS

Economic indicators are mixed relative to comparable U.S. counties.

Unemployment Rate

Near national averages

Source: BLS LAUS · 2026-0845d ago

Poverty Rate

Near national averages

Median Household Income

Near national averages

Cost of Living (RPP)

Near national averages

Home Value (ZHVI)$331,804

County data: BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA · Coverage derived from property records · Counties with <2% coverage excluded as likely data errors