ZIP 21028 vs ZIP 21050

21028 is one of 20 ZIP codes that lie mostly in Harford County, MD.

Shaded by typical home value, it ranks 6 of the 17 with a value.

1 school location in 21028: 1 elementary.

In alphabetical order: Churchville Elementary. Locations only — no ratings are shown here.

21050 is one of 20 ZIP codes that lie mostly in Harford County, MD.

Shaded by typical home value, it ranks 7 of the 17 with a value.

2 school locations in 21050: 2 elementary.

In alphabetical order: Forest Hill Elementary, Forest Lakes Elementary. Locations only — no ratings are shown here.

In January 2000 the typical home in 21028 was worth $197,494.

Values peaked at $543,832 in August 2026. The latest reading is the peak.

As of August 2026: $543,832, +3.1% over twelve months.

Start with the typical home: $543,832. Put 20% down and borrow $435,066 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,012 a month in principal and interest.

The median household here earns $133,583 a year, $11,132 a month. So the payment takes 27.1% 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 9.8% 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 $1,183.

In December 2020, with rates at 2.68%, it was $1,351.

By August 2026, at 6.67%, it was $2,798 — +107% since December 2020, while the home's value moved +30%.

Reported values rose +175% 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 $389,775. So the real change is +40%, not +175%.

21028: +175% since January 2000.

Harford County: +156% since January 2000.

Maryland: +180% since January 2000 — 21028 ran behind it by 5 points.

Owning the typical home costs about $3,556 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,656 a month.

Price divided by a year's rent: 27.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21050 was worth $194,587.

Values peaked at $506,618 in August 2026. The latest reading is the peak.

As of August 2026: $506,618, +1.8% over twelve months.

Start with the typical home: $506,618. Put 20% down and borrow $405,294 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,806 a month in principal and interest.

The median household here earns $123,750 a year, $10,313 a month. So the payment takes 27.2% 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 10.5% 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 $1,165.

In December 2020, with rates at 2.68%, it was $1,282.

By August 2026, at 6.67%, it was $2,606 — +103% since December 2020, while the home's value moved +28%.

Reported values rose +160% 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 $384,038. So the real change is +32%, not +160%.

21050: +160% since January 2000.

Harford County: +156% since January 2000.

Maryland: +180% since January 2000 — 21050 ran behind it by 20 points.

Owning the typical home costs about $3,313 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,773 a month.

Price divided by a year's rent: 23.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 2 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 3 — so sales ran at 67% of it, and below it in 11 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 26 a month (Redfin, 3-month rolling data through August 2026). That is 87% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 45.

Going out — closed sales: about 21 a month. That is 62% of the 2015–2019 level for the same months. The drain is drawn 8% narrower: the share of homes for sale that sell each month is 92% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.1 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 5 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 21 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 24 — so sales ran at 88% of it, and below it in 21 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: 4 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: 45 in June 2026.

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