ZIP 21074 vs ZIP 21787

21074 is one of 9 ZIP codes that lie mostly in Carroll County, MD — 72% of its own area is in the county.

Shaded by typical home value, it ranks 8 of the 9 with a value.

4 school locations in 21074: 2 elementary, 2 middle.

In alphabetical order: Hampstead Elementary, North Carroll Middle, Shiloh Middle, Spring Garden Elementary. Locations only — no ratings are shown here.

21787 is one of 9 ZIP codes that lie mostly in Carroll County, MD — 87% of its own area is in the county.

Shaded by typical home value, it ranks 9 of the 9 with a value.

2 school locations in 21787: 1 elementary, 1 middle.

In alphabetical order: Northwest Middle, Taneytown Elementary. Locations only — no ratings are shown here.

In January 2000 the typical home in 21074 was worth $151,509.

Values peaked at $434,368 in July 2026. The latest reading is −0.1% from that peak.

As of August 2026: $434,085, +2.3% over twelve months.

Start with the typical home: $434,085. Put 20% down and borrow $347,268 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,404 a month in principal and interest.

The median household here earns $101,462 a year, $8,455 a month. So the payment takes 28.4% 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 9.9% 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 $907.

In December 2020, with rates at 2.68%, it was $1,083.

By August 2026, at 6.67%, it was $2,233 — +106% since December 2020, while the home's value moved +30%.

Reported values rose +187% 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 $299,019. So the real change is +45%, not +187%.

21074: +187% since January 2000.

Carroll County: +187% since January 2000.

Maryland: +180% since January 2000 — 21074 ran ahead of it by 6 points.

Owning the typical home costs about $2,838 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,064 a month.

Price divided by a year's rent: 34.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21787 was worth $151,247.

Values peaked at $398,810 in May 2026. The latest reading is −0.3% from that peak.

As of August 2026: $397,789, +1.1% over twelve months.

Start with the typical home: $397,789. Put 20% down and borrow $318,231 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,203 a month in principal and interest.

The median household here earns $88,212 a year, $7,351 a month. So the payment takes 30.0% 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 11.4% 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 $906.

In December 2020, with rates at 2.68%, it was $986.

By August 2026, at 6.67%, it was $2,047 — +108% since December 2020, while the home's value moved +31%.

Reported values rose +163% 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 $298,502. So the real change is +33%, not +163%.

21787: +163% since January 2000.

Carroll County: +187% since January 2000.

Maryland: +180% since January 2000 — 21787 ran behind it by 17 points.

Owning the typical home costs about $2,601 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,350 a month.

Price divided by a year's rent: 24.6. 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 19 a month (Redfin, 3-month rolling data through August 2026). That is 72% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 31.

Going out — closed sales: about 22 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 22 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 23 — so sales ran at 96% of it, and below it in 20 of the last 24 months.

Across Carroll County, builders pulled permits for 153 new homes in 2025.

Of those, 100% 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 13 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 13 a month.

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: listings and sales were even.

Homes sold: about 13 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 14 — so sales ran at 93% of it, and below it in 14 of the last 24 months.

Across Carroll County, builders pulled permits for 153 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Carroll County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,761 moved in. Among the ten receiving the most, 2,272 moved out.

Net across those counties: +489 households. Beside it, homes for sale in this ZIP: 31 in June 2026.

Most arrivals came from Baltimore, MD (842 households); most departures went to Baltimore, MD (593).

This ZIP sits in Carroll County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,761 moved in. Among the ten receiving the most, 2,272 moved out.

Net across those counties: +489 households. Beside it, homes for sale in this ZIP: 25 in June 2026.

Most arrivals came from Baltimore, MD (842 households); most departures went to Baltimore, MD (593).