ZIP 21629

21629 is one of 8 ZIP codes that lie mostly in Caroline County, MD.

Shaded by typical home value, it ranks 3 of the 7 with a value.

2 school locations in 21629: 1 elementary, 1 middle.

In alphabetical order: Denton Elementary School, Lockerman Middle School. Locations only — no ratings are shown here.

In January 2000 the typical home in 21629 was worth $96,841.

Values peaked at $364,987 in January 2026. The latest reading is −0.7% from that peak.

As of August 2026: $362,588, +0.2% over twelve months.

Start with the typical home: $362,588. Put 20% down and borrow $290,070 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,008 a month in principal and interest.

The median household here earns $70,117 a year, $5,843 a month. So the payment takes 34.4% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 9.2% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $580.

In December 2020, with rates at 2.68%, it was $864.

By August 2026, at 6.67%, it was $1,865 — +116% since December 2020, while the home's value moved +36%.

Reported values rose +274% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $191,126. So the real change is +90%, not +274%.

21629: +274% since January 2000.

Caroline County: +237% since January 2000.

Maryland: +180% since January 2000 — 21629 ran ahead of it by 94 points.

Owning the typical home costs about $2,371 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,151 a month.

Price divided by a year's rent: 26.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 11 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 41.

Going out — closed sales: about 10 a month. The drain is drawn 1% narrower: the share of homes for sale that sell each month is 99% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.97 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 0 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 10 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 12 — so sales ran at 83% of it, and below it in 18 of the last 24 months.

Across Caroline County, builders pulled permits for 75 new homes in 2025.

Of those, 95% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Caroline County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 557 moved in. Among the ten receiving the most, 526 moved out.

Net across those counties: +31 households. Beside it, homes for sale in this ZIP: 41 in June 2026.

Most arrivals came from Queen Anne's, MD (121 households); most departures went to Talbot, MD (117).