ZIP 21047 vs ZIP 21161

21047 is one of 20 ZIP codes that lie mostly in Harford County, MD.

Shaded by typical home value, it ranks 1 of the 17 with a value.

3 school locations in 21047: 1 elementary, 1 middle, 1 high.

In alphabetical order: Fallston High, Fallston Middle School, Youths Benefit Elementary. Locations only — no ratings are shown here.

21161 is one of 20 ZIP codes that lie mostly in Harford County, MD — 53% of its own area is in the county.

Shaded by typical home value, it ranks 2 of the 17 with a value.

1 school location in 21161: 1 elementary.

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

In January 2000 the typical home in 21047 was worth $222,464.

Values peaked at $571,122 in August 2026. The latest reading is the peak.

As of August 2026: $571,122, +2.2% over twelve months.

Start with the typical home: $571,122. Put 20% down and borrow $456,898 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,163 a month in principal and interest.

The median household here earns $154,524 a year, $12,877 a month. So the payment takes 24.6% 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 $1,332.

In December 2020, with rates at 2.68%, it was $1,456.

By August 2026, at 6.67%, it was $2,938 — +102% since December 2020, while the home's value moved +27%.

Reported values rose +157% 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 $439,056. So the real change is +30%, not +157%.

21047: +157% since January 2000.

Harford County: +156% since January 2000.

Maryland: +180% since January 2000 — 21047 ran behind it by 24 points.

Owning the typical home costs about $3,735 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,287 a month.

Price divided by a year's rent: 20.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21161 was worth $191,253.

Values peaked at $567,404 in August 2026. The latest reading is the peak.

As of August 2026: $567,404, +3.1% over twelve months.

Start with the typical home: $567,404. Put 20% down and borrow $453,923 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,143 a month in principal and interest.

The median household here earns $99,709 a year, $8,309 a month. So the payment takes 37.8% of income — rated “severe” (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 12.7% 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 $1,145.

In December 2020, with rates at 2.68%, it was $1,389.

By August 2026, at 6.67%, it was $2,919 — +110% since December 2020, while the home's value moved +32%.

Reported values rose +197% 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 $377,458. So the real change is +50%, not +197%.

21161: +197% since January 2000.

Harford County: +156% since January 2000.

Maryland: +180% since January 2000 — 21161 ran ahead of it by 16 points.

Owning the typical home costs about $3,710 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,309 a month.

Price divided by a year's rent: 36.1. 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 15 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 26.

Going out — closed sales: about 11 a month.

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 11 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 14 — so sales ran at 79% of it, and below it in 20 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).

Homes sold: about 4 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 4 — so sales ran at 100% of it, and below it in 13 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: 26 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: 8 in June 2026.

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