ZIP 21029 vs ZIP 21794

21029 is one of 20 ZIP codes that lie mostly in Howard County, MD.

Shaded by typical home value, it ranks 2 of the 19 with a value.

4 school locations in 21029: 2 elementary, 1 middle, 1 high.

In alphabetical order: Clarksville Elementary, Clarksville Middle, Pointers Run Elementary, River Hill High. Locations only — no ratings are shown here.

21794 is one of 20 ZIP codes that lie mostly in Howard County, MD.

Shaded by typical home value, it ranks 3 of the 19 with a value.

1 school location in 21794: 1 elementary.

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

In January 2000 the typical home in 21029 was worth $323,894.

Values peaked at $1,053,137 in August 2026. The latest reading is the peak.

As of August 2026: $1,053,137, +2.2% over twelve months.

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 $1,939.

In December 2020, with rates at 2.68%, it was $2,482.

By August 2026, at 6.67%, it was $5,418 — +118% since December 2020, while the home's value moved +37%.

Reported values rose +225% 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 $639,238. So the real change is +65%, not +225%.

21029: +225% since January 2000.

Howard County: +206% since January 2000.

Maryland: +180% since January 2000 — 21029 ran ahead of it by 45 points.

Owning the typical home costs about $6,887 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,442 a month.

Price divided by a year's rent: 25.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21794 was worth $338,704.

Values peaked at $1,041,570 in August 2026. The latest reading is the peak.

As of August 2026: $1,041,570, +2.0% over twelve months.

Start with the typical home: $1,041,570. Put 20% down and borrow $833,256 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $5,769 a month in principal and interest.

The median household here earns $223,833 a year, $18,653 a month. So the payment takes 30.9% 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 10.1% 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 $2,028.

In December 2020, with rates at 2.68%, it was $2,481.

By August 2026, at 6.67%, it was $5,359 — +116% since December 2020, while the home's value moved +36%.

Reported values rose +208% 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 $668,467. So the real change is +56%, not +208%.

21794: +208% since January 2000.

Howard County: +206% since January 2000.

Maryland: +180% since January 2000 — 21794 ran ahead of it by 27 points.

Owning the typical home costs about $6,811 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,099 a month.

Price divided by a year's rent: 41.4. 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 14 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 25.

Going out — closed sales: about 17 a month.

The ladder: homes for sale ÷ monthly sales = 1.4 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 sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 17 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 15 — so sales ran at 113% of it, and below it in 19 of the last 24 months.

Across Howard County, builders pulled permits for 728 new homes in 2025.

Of those, 45% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

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 16 of the last 24 months.

Across Howard County, builders pulled permits for 728 new homes in 2025.

Of those, 45% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Howard County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 7,060 moved in. Among the ten receiving the most, 7,033 moved out.

Net across those counties: +27 households. Beside it, homes for sale in this ZIP: 25 in June 2026.

Most arrivals came from Anne Arundel, MD (1,379 households); most departures went to Anne Arundel, MD (1,615).

This ZIP sits in Howard County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 7,060 moved in. Among the ten receiving the most, 7,033 moved out.

Net across those counties: +27 households. Beside it, homes for sale in this ZIP: 1 in June 2026.

Most arrivals came from Anne Arundel, MD (1,379 households); most departures went to Anne Arundel, MD (1,615).