ZIP 21226

21226 is one of 23 ZIP codes that lie mostly in Baltimore County, MD — 50% of its own area is in the county.

Shaded by typical home value, it ranks 3 of the 20 with a value.

In January 2000 the typical home in 21226 was worth $96,367.

Values peaked at $315,490 in August 2026. The latest reading is the peak.

As of August 2026: $315,490, +1.1% over twelve months.

Start with the typical home: $315,490. Put 20% down and borrow $252,392 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,748 a month in principal and interest.

The median household here earns $79,712 a year, $6,643 a month. So the payment takes 26.3% 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 8.0% 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 $577.

In December 2020, with rates at 2.68%, it was $798.

By August 2026, at 6.67%, it was $1,623 — +103% since December 2020, while the home's value moved +28%.

Reported values rose +227% 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 $190,190. So the real change is +66%, not +227%.

21226: +227% since January 2000.

Baltimore County: +183% since January 2000.

Maryland: +180% since January 2000 — 21226 ran ahead of it by 47 points.

Owning the typical home costs about $2,063 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,454 a month.

Price divided by a year's rent: 18.1. 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 15 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 42.

Going out — closed sales: about 9 a month. The drain is drawn 28% narrower: the share of homes for sale that sell each month is 72% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.7 months of supply — inside the 4–6 month balanced range. 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 9 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 13 — so sales ran at 69% of it, and below it in 21 of the last 24 months.

Across Baltimore County, builders pulled permits for 543 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 Baltimore County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 11,835 moved in. Among the ten receiving the most, 12,833 moved out.

Net across those counties: −998 households. Beside it, homes for sale in this ZIP: 42 in June 2026.

Most arrivals came from Baltimore, MD (6,454 households); most departures went to Baltimore, MD (7,832).