ZIP 21146 vs ZIP 21032

21146 is one of 37 ZIP codes that lie mostly in Anne Arundel County, MD.

Shaded by typical home value, it ranks 5 of the 34 with a value.

8 school locations in 21146: 5 elementary, 1 middle, 2 high.

In alphabetical order: Anne Arundel Evening High, Benfield Elementary, Folger Mckinsey Elementary, Jones Elementary, and more on the ZIP page. Locations only — no ratings are shown here.

21032 is one of 37 ZIP codes that lie mostly in Anne Arundel County, MD.

Shaded by typical home value, it ranks 6 of the 34 with a value.

2 school locations in 21032: 2 elementary.

In alphabetical order: Mountain View Elementary, South Shore Elementary. Locations only — no ratings are shown here.

In January 2000 the typical home in 21146 was worth $228,175.

Values peaked at $750,570 in August 2026. The latest reading is the peak.

As of August 2026: $750,570, +2.8% over twelve months.

Start with the typical home: $750,570. Put 20% down and borrow $600,456 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,157 a month in principal and interest.

The median household here earns $169,835 a year, $14,153 a month. So the payment takes 29.4% 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 8.9% 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 $1,366.

In December 2020, with rates at 2.68%, it was $1,897.

By August 2026, at 6.67%, it was $3,861 — +104% since December 2020, while the home's value moved +28%.

Reported values rose +229% 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 $450,327. So the real change is +67%, not +229%.

21146: +229% since January 2000.

Anne Arundel County: +195% since January 2000.

Maryland: +180% since January 2000 — 21146 ran ahead of it by 49 points.

Owning the typical home costs about $4,908 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,758 a month.

Price divided by a year's rent: 16.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21032 was worth $221,982.

Values peaked at $672,631 in August 2026. The latest reading is the peak.

As of August 2026: $672,631, +1.5% over twelve months.

Start with the typical home: $672,631. Put 20% down and borrow $538,105 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,726 a month in principal and interest.

The median household here earns $175,234 a year, $14,603 a month. So the payment takes 25.5% 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 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 $1,329.

In December 2020, with rates at 2.68%, it was $1,710.

By August 2026, at 6.67%, it was $3,461 — +102% since December 2020, while the home's value moved +27%.

Reported values rose +203% 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 $438,104. So the real change is +54%, not +203%.

21032: +203% since January 2000.

Anne Arundel County: +195% since January 2000.

Maryland: +180% since January 2000 — 21032 ran ahead of it by 23 points.

Owning the typical home costs about $4,398 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,648 a month.

Price divided by a year's rent: 21.2. 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 37 a month (Redfin, 3-month rolling data through August 2026). That is 78% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 67.

Going out — closed sales: about 36 a month. That is 71% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 1.9 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 came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 36 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 38 — so sales ran at 95% of it, and below it in 24 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 11 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 27.

Going out — closed sales: about 10 a month.

The ladder: homes for sale ÷ monthly sales = 2.6 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 came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 10 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 11 — so sales ran at 91% 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).

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: 67 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: 27 in June 2026.

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