ZIP 21108 vs ZIP 21054

21108 is one of 37 ZIP codes that lie mostly in Anne Arundel County, MD.

Shaded by typical home value, it ranks 15 of the 34 with a value.

6 school locations in 21108: 2 elementary, 2 middle, 2 high.

In alphabetical order: Millersville Elementary, Old Mill High, Old Mill Middle North, Old Mill Middle South, and more on the ZIP page. Locations only — no ratings are shown here.

21054 is one of 37 ZIP codes that lie mostly in Anne Arundel County, MD.

Shaded by typical home value, it ranks 16 of the 34 with a value.

4 school locations in 21054: 1 elementary, 1 middle, 2 high.

In alphabetical order: Arundel High, Crofton High School, Crofton Middle, Four Seasons Elementary. Locations only — no ratings are shown here.

In January 2000 the typical home in 21108 was worth $214,366.

Values peaked at $614,880 in August 2026. The latest reading is the peak.

As of August 2026: $614,880, +1.5% over twelve months.

Start with the typical home: $614,880. Put 20% down and borrow $491,904 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,406 a month in principal and interest.

The median household here earns $146,556 a year, $12,213 a month. So the payment takes 27.9% 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 9.7% 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 $1,284.

In December 2020, with rates at 2.68%, it was $1,612.

By August 2026, at 6.67%, it was $3,163 — +96% since December 2020, while the home's value moved +23%.

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 $423,073. So the real change is +45%, not +187%.

21108: +187% since January 2000.

Anne Arundel County: +195% since January 2000.

Maryland: +180% since January 2000 — 21108 ran ahead of it by 6 points.

Owning the typical home costs about $4,021 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,217 a month.

Price divided by a year's rent: 23.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21054 was worth $213,307.

Values peaked at $612,791 in August 2026. The latest reading is the peak.

As of August 2026: $612,791, +1.1% over twelve months.

Start with the typical home: $612,791. Put 20% down and borrow $490,233 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,394 a month in principal and interest.

The median household here earns $153,976 a year, $12,831 a month. So the payment takes 26.5% 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 9.2% 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 $1,277.

In December 2020, with rates at 2.68%, it was $1,583.

By August 2026, at 6.67%, it was $3,153 — +99% since December 2020, while the home's value moved +25%.

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 $420,983. So the real change is +46%, not +187%.

21054: +187% since January 2000.

Anne Arundel County: +195% since January 2000.

Maryland: +180% since January 2000 — 21054 ran ahead of it by 7 points.

Owning the typical home costs about $4,007 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,767 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.

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 30 a month (Redfin, 3-month rolling data through August 2026). That is 89% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 58.

Going out — closed sales: about 24 a month. That is 75% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.5 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 6 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 24 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 25 — so sales ran at 96% of it, and below it in 21 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 21 a month (Redfin, 3-month rolling data through August 2026). That is 83% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 40.

Going out — closed sales: about 19 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 2 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 19 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 20 — so sales ran at 95% of it, and below it in 21 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: 58 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: 40 in June 2026.

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