Lotvox market story · compare
ZIP 21084 vs ZIP 21154
1 of 4
Who's going to sell
Turnover Index not published for 21084 yet.
Where
21084 in Harford County, MD
21084 is one of 20 ZIP codes that lie mostly in Harford County, MD.
Shaded by typical home value, it ranks 4 of the 17 with a value.
- Value rank in county
- 4 of 17
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 21084
2 school locations in 21084: 2 elementary.
In alphabetical order: Jarrettsville Elementary, North Bend Elementary. Locations only — no ratings are shown here.
- School locations
- 2
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
Turnover Index not published for 21154 yet.
Where
21154 in Harford County, MD
21154 is one of 20 ZIP codes that lie mostly in Harford County, MD.
Shaded by typical home value, it ranks 5 of the 17 with a value.
- Value rank in county
- 5 of 17
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 21154
1 school location in 21154: 1 elementary.
In alphabetical order: Dublin Elementary. Locations only — no ratings are shown here.
- School locations
- 1
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
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What it costs
Home values
What homes are worth in 21084
In January 2000 the typical home in 21084 was worth $204,824.
Values peaked at $552,728 in August 2026. The latest reading is the peak.
As of August 2026: $552,728, +3.9% over twelve months.
- Typical home value
- $552,728
- 12-month change
- +3.9%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $552,728. Put 20% down and borrow $442,182 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $3,062 a month in principal and interest.
The median household here earns $118,098 a year, $9,842 a month. So the payment takes 31.1% 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 11.5% in 2000.
- Payment share of income
- 31.1%
- Monthly P&I
- $3,062
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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 $1,226.
In December 2020, with rates at 2.68%, it was $1,378.
By August 2026, at 6.67%, it was $2,844 — +106% since December 2020, while the home's value moved +30%.
- Payment change since 2020
- +106%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +170% 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 $404,241. So the real change is +37%, not +170%.
- Real change since 2000
- +37%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
21084 against its neighbors
21084: +170% since January 2000.
Harford County: +156% since January 2000.
Maryland: +180% since January 2000 — 21084 ran behind it by 11 points.
- Change since 2000
- +170%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $3,614 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,102 a month.
Price divided by a year's rent: 41.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 41.8
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
Home values
What homes are worth in 21154
In January 2000 the typical home in 21154 was worth $194,121.
Values peaked at $547,921 in August 2026. The latest reading is the peak.
As of August 2026: $547,921, +4.2% over twelve months.
- Typical home value
- $547,921
- 12-month change
- +4.2%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $547,921. Put 20% down and borrow $438,337 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $3,035 a month in principal and interest.
The median household here earns $100,583 a year, $8,382 a month. So the payment takes 36.2% 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 12.8% in 2000.
- Payment share of income
- 36.2%
- Monthly P&I
- $3,035
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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 $1,162.
In December 2020, with rates at 2.68%, it was $1,343.
By August 2026, at 6.67%, it was $2,819 — +110% since December 2020, while the home's value moved +32%.
- Payment change since 2020
- +110%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +182% 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 $383,118. So the real change is +43%, not +182%.
- Real change since 2000
- +43%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
21154 against its neighbors
21154: +182% since January 2000.
Harford County: +156% since January 2000.
Maryland: +180% since January 2000 — 21154 ran ahead of it by 2 points.
- Change since 2000
- +182%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $3,583 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,503 a month.
Price divided by a year's rent: 30.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 30.4
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
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What's moving
Housing pulse
Sales pace vs. normal
Homes sold: about 5 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 9 — so sales ran at 56% of it, and below it in 17 of the last 24 months.
- Sales vs 2015–19 level
- 56%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
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).
- Units permitted 2025
- 715
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
Housing pulse
Sales pace vs. normal
Homes sold: about 4 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 6 — so sales ran at 67% of it, and below it in 17 of the last 24 months.
- Sales vs 2015–19 level
- 67%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
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).
- Units permitted 2025
- 715
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
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Who's holding, who's leaving
Housing pulse
Migration and inventory
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: 9 in June 2026.
Most arrivals came from Baltimore, MD (2,072 households); most departures went to Baltimore, MD (1,393).
- Net households (top-10 flows)
- +662
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01
Housing pulse
Migration and inventory
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: 13 in June 2026.
Most arrivals came from Baltimore, MD (2,072 households); most departures went to Baltimore, MD (1,393).
- Net households (top-10 flows)
- +662
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01