ZIP 21102 vs ZIP 21157

21102 is one of 9 ZIP codes that lie mostly in Carroll County, MD — 77% of its own area is in the county.

Shaded by typical home value, it ranks 5 of the 9 with a value.

3 school locations in 21102: 2 elementary, 1 high.

In alphabetical order: Ebb Valley Elementary, Manchester Elementary, Manchester Valley High. Locations only — no ratings are shown here.

21157 is one of 9 ZIP codes that lie mostly in Carroll County, MD.

Shaded by typical home value, it ranks 6 of the 9 with a value.

16 school locations in 21157: 6 elementary, 3 middle, 6 high, 1 other.

In alphabetical order: Carroll County Career & Technology Center, Carroll Springs School, Cranberry Station Elementary, Crossroads Middle School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 21102 was worth $157,574.

Values peaked at $469,214 in April 2026. The latest reading is −0.4% from that peak.

As of August 2026: $467,550, +0.9% over twelve months.

Start with the typical home: $467,550. Put 20% down and borrow $374,040 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,590 a month in principal and interest.

The median household here earns $119,535 a year, $9,961 a month. So the payment takes 26.0% 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 8.8% 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 $943.

In December 2020, with rates at 2.68%, it was $1,176.

By August 2026, at 6.67%, it was $2,405 — +104% since December 2020, while the home's value moved +29%.

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 $310,989. So the real change is +50%, not +197%.

21102: +197% since January 2000.

Carroll County: +187% since January 2000.

Maryland: +180% since January 2000 — 21102 ran ahead of it by 16 points.

Owning the typical home costs about $3,057 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,283 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.

In January 2000 the typical home in 21157 was worth $166,048.

Values peaked at $463,851 in July 2026. The latest reading is −0.1% from that peak.

As of August 2026: $463,608, +1.1% over twelve months.

Start with the typical home: $463,608. Put 20% down and borrow $370,886 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,568 a month in principal and interest.

The median household here earns $102,835 a year, $8,570 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 10.7% 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 $994.

In December 2020, with rates at 2.68%, it was $1,164.

By August 2026, at 6.67%, it was $2,385 — +105% since December 2020, while the home's value moved +29%.

Reported values rose +179% 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 $327,713. So the real change is +41%, not +179%.

21157: +179% since January 2000.

Carroll County: +187% since January 2000.

Maryland: +180% since January 2000 — 21157 ran behind it by 1 points.

Owning the typical home costs about $3,032 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,680 a month.

Price divided by a year's rent: 23.0. 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 13 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 30.

Going out — closed sales: about 14 a month.

The ladder: homes for sale ÷ monthly sales = 2.1 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 1 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 14 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 12 — so sales ran at 117% of it, and below it in 19 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 41 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: 86. That is 51% of the 2015–2019 level for the same months.

Going out — closed sales: about 38 a month. That is 72% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.2 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 2 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 38 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 48 — so sales ran at 79% of it, and below it in 21 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: 30 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: 86 in June 2026.

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