ZIP 21009 vs ZIP 21085

21009 is one of 20 ZIP codes that lie mostly in Harford County, MD.

Shaded by typical home value, it ranks 13 of the 17 with a value.

3 school locations in 21009: 3 elementary.

In alphabetical order: Abingdon Elementary, Old Post Road Elementary, William S. James Elementary. Locations only — no ratings are shown here.

21085 is one of 20 ZIP codes that lie mostly in Harford County, MD — 94% of its own area is in the county.

Shaded by typical home value, it ranks 14 of the 17 with a value.

5 school locations in 21085: 3 elementary, 1 middle, 1 high.

In alphabetical order: Joppatowne Elementary, Joppatowne High, Magnolia Elementary, Magnolia Middle, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 21009 was worth $146,100.

Values peaked at $374,207 in April 2026. The latest reading is −0.2% from that peak.

As of August 2026: $373,618, −0.1% over twelve months.

Start with the typical home: $373,618. Put 20% down and borrow $298,894 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,069 a month in principal and interest.

The median household here earns $117,017 a year, $9,751 a month. So the payment takes 21.2% of income — rated “affordable” (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 8.3% 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 $875.

In December 2020, with rates at 2.68%, it was $935.

By August 2026, at 6.67%, it was $1,922 — +106% since December 2020, while the home's value moved +29%.

Reported values rose +156% 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 $288,343. So the real change is +30%, not +156%.

21009: +156% since January 2000.

Harford County: +156% since January 2000.

Maryland: +180% since January 2000 — 21009 ran behind it by 25 points.

Owning the typical home costs about $2,443 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,007 a month.

Price divided by a year's rent: 15.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21085 was worth $156,431.

Values peaked at $370,530 in August 2026. The latest reading is the peak.

As of August 2026: $370,530, +0.5% over twelve months.

Start with the typical home: $370,530. Put 20% down and borrow $296,424 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,052 a month in principal and interest.

The median household here earns $107,975 a year, $8,998 a month. So the payment takes 22.8% of income — rated “affordable” (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 9.6% 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 $937.

In December 2020, with rates at 2.68%, it was $963.

By August 2026, at 6.67%, it was $1,906 — +98% since December 2020, while the home's value moved +25%.

Reported values rose +137% 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 $308,733. So the real change is +20%, not +137%.

21085: +137% since January 2000.

Harford County: +156% since January 2000.

Maryland: +180% since January 2000 — 21085 ran behind it by 43 points.

Owning the typical home costs about $2,423 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,682 a month.

Price divided by a year's rent: 18.4. 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 41 a month (Redfin, 3-month rolling data through August 2026). That is 57% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 73. That is 45% of the 2015–2019 level for the same months.

Going out — closed sales: about 38 a month. That is 63% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 1.9 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 3 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 38 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 55 — so sales ran at 69% of it, and below it in 23 of the last 24 months.

Across Harford County, builders pulled permits for 715 new homes in 2025.

Of those, 81% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

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 29 a month (Redfin, 3-month rolling data through August 2026). That is 95% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 58.

Going out — closed sales: about 25 a month. That is 97% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.3 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 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 25 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 24 — so sales ran at 104% of it, and below it in 9 of the last 24 months.

Across Harford County, builders pulled permits for 715 new homes in 2025.

Of those, 81% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Harford County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 3,874 moved in. Among the ten receiving the most, 3,212 moved out.

Net across those counties: +662 households. Beside it, homes for sale in this ZIP: 73 in June 2026.

Most arrivals came from Baltimore, MD (2,072 households); most departures went to Baltimore, MD (1,393).

This ZIP sits in Harford County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 3,874 moved in. Among the ten receiving the most, 3,212 moved out.

Net across those counties: +662 households. Beside it, homes for sale in this ZIP: 58 in June 2026.

Most arrivals came from Baltimore, MD (2,072 households); most departures went to Baltimore, MD (1,393).