ZIP 21077 vs ZIP 21122

21077 is one of 37 ZIP codes that lie mostly in Anne Arundel County, MD.

Shaded by typical home value, it ranks 26 of the 34 with a value.

21122 is one of 37 ZIP codes that lie mostly in Anne Arundel County, MD.

Shaded by typical home value, it ranks 27 of the 34 with a value.

12 school locations in 21122: 8 elementary, 2 middle, 2 high.

In alphabetical order: Bodkin Elementary, Chesapeake Bay Middle, Chesapeake High, Fort Smallwood Elementary, and more on the ZIP page. Locations only — no ratings are shown here.

In February 2022 the typical home in 21077 was worth $417,241.

Values peaked at $458,790 in September 2025. The latest reading is the peak.

As of August 2026: $458,615, +0.2% over twelve months.

Start with the typical home: $458,615. Put 20% down and borrow $366,892 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,540 a month in principal and interest.

The median household here earns $116,009 a year, $9,667 a month. So the payment takes 26.3% 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 23.9% in 2022.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in February 2022 (3.76%) the payment was $1,548.

In February 2022, with rates at 3.76%, it was $1,548.

By August 2026, at 6.67%, it was $2,359 — +52% since February 2022, while the home's value moved +10%.

Reported values rose +10% since February 2022.

General prices (CPI-U) rose +17% over the same span.

Divide one by the other: in August 2026 dollars, the 2022 home was worth $490,029. So the real change is −6%, not +10%.

21077: +10% since February 2022.

Anne Arundel County: +13% since February 2022.

Maryland: +11% since February 2022.

Owning the typical home costs about $2,999 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,071 a month.

Price divided by a year's rent: 18.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21122 was worth $154,669.

Values peaked at $455,891 in July 2026. The latest reading is the peak.

As of August 2026: $455,819, +0.5% over twelve months.

Start with the typical home: $455,819. Put 20% down and borrow $364,655 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,525 a month in principal and interest.

The median household here earns $121,732 a year, $10,144 a month. So the payment takes 24.9% 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 8.4% 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 $926.

In December 2020, with rates at 2.68%, it was $1,213.

By August 2026, at 6.67%, it was $2,345 — +93% since December 2020, while the home's value moved +22%.

Reported values rose +195% 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 $305,255. So the real change is +49%, not +195%.

21122: +195% since January 2000.

Anne Arundel County: +195% since January 2000.

Maryland: +180% since January 2000 — 21122 ran ahead of it by 14 points.

Owning the typical home costs about $2,981 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,496 a month.

Price divided by a year's rent: 15.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 0 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 0% of it, and below it in 19 of the last 24 months.

Across Anne Arundel County, builders pulled permits for 1,844 new homes in 2025.

Of those, 47% 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 81 a month (Redfin, 3-month rolling data through August 2026). That is 68% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 148. That is 54% of the 2015–2019 level for the same months.

Going out — closed sales: about 89 a month. That is 84% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 1.7 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 9 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 89 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 94 — so sales ran at 95% of it, and below it in 15 of the last 24 months.

Across Anne Arundel County, builders pulled permits for 1,844 new homes in 2025.

Of those, 47% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Anne Arundel County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 9,563 moved in. Among the ten receiving the most, 8,259 moved out.

Net across those counties: +1,304 households. Beside it, homes for sale in this ZIP: 1 in June 2026.

Most arrivals came from Prince George's, MD (2,592 households); most departures went to Baltimore, MD (1,648).

This ZIP sits in Anne Arundel County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 9,563 moved in. Among the ten receiving the most, 8,259 moved out.

Net across those counties: +1,304 households. Beside it, homes for sale in this ZIP: 148 in June 2026.

Most arrivals came from Prince George's, MD (2,592 households); most departures went to Baltimore, MD (1,648).