ZIP 21104 vs ZIP 21043

21104 is one of 20 ZIP codes that lie mostly in Howard County, MD — 53% of its own area is in the county.

Shaded by typical home value, it ranks 11 of the 19 with a value.

2 school locations in 21104: 1 middle, 1 high.

In alphabetical order: Marriotts Ridge High, Mount View Middle. Locations only — no ratings are shown here.

21043 is one of 20 ZIP codes that lie mostly in Howard County, MD — 97% of its own area is in the county.

Shaded by typical home value, it ranks 12 of the 19 with a value.

9 school locations in 21043: 5 elementary, 3 middle, 1 high.

In alphabetical order: Bellows Spring Elementary, Bonnie Branch Middle, Ellicott Mills Middle, Hollifield Station Elementary, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 21104 was worth $255,600.

Values peaked at $724,853 in August 2026. The latest reading is the peak.

As of August 2026: $724,853, +0.9% over twelve months.

Start with the typical home: $724,853. Put 20% down and borrow $579,882 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,015 a month in principal and interest.

The median household here earns $199,803 a year, $16,650 a month. So the payment takes 24.1% 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 8.5% 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 $1,530.

In December 2020, with rates at 2.68%, it was $1,843.

By August 2026, at 6.67%, it was $3,729 — +102% since December 2020, while the home's value moved +27%.

Reported values rose +184% 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 $504,453. So the real change is +44%, not +184%.

21104: +184% since January 2000.

Howard County: +206% since January 2000.

Maryland: +180% since January 2000 — 21104 ran ahead of it by 3 points.

Owning the typical home costs about $4,740 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,099 a month.

Price divided by a year's rent: 28.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21043 was worth $215,111.

Values peaked at $641,825 in April 2025. The latest reading is −1.1% from that peak.

As of August 2026: $635,061, −0.1% over twelve months.

Start with the typical home: $635,061. Put 20% down and borrow $508,049 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,518 a month in principal and interest.

The median household here earns $141,846 a year, $11,821 a month. So the payment takes 29.8% 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 10.1% 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 $1,288.

In December 2020, with rates at 2.68%, it was $1,662.

By August 2026, at 6.67%, it was $3,267 — +97% since December 2020, while the home's value moved +24%.

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 $424,544. So the real change is +50%, not +195%.

21043: +195% since January 2000.

Howard County: +206% since January 2000.

Maryland: +180% since January 2000 — 21043 ran ahead of it by 15 points.

Owning the typical home costs about $4,153 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,522 a month.

Price divided by a year's rent: 21.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 7 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 8 — so sales ran at 88% of it, and below it in 14 of the last 24 months.

Across Howard County, builders pulled permits for 728 new homes in 2025.

Of those, 45% 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 51 a month (Redfin, 3-month rolling data through August 2026). That is 70% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 69. That is 43% of the 2015–2019 level for the same months.

Going out — closed sales: about 51 a month. That is 74% of the 2015–2019 level for the same months.

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 0 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 51 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 59 — so sales ran at 86% of it, and below it in 24 of the last 24 months.

Across Howard County, builders pulled permits for 728 new homes in 2025.

Of those, 45% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Howard County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 7,060 moved in. Among the ten receiving the most, 7,033 moved out.

Net across those counties: +27 households. Beside it, homes for sale in this ZIP: 15 in June 2026.

Most arrivals came from Anne Arundel, MD (1,379 households); most departures went to Anne Arundel, MD (1,615).

This ZIP sits in Howard County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 7,060 moved in. Among the ten receiving the most, 7,033 moved out.

Net across those counties: +27 households. Beside it, homes for sale in this ZIP: 69 in June 2026.

Most arrivals came from Anne Arundel, MD (1,379 households); most departures went to Anne Arundel, MD (1,615).