ZIP 21632 vs ZIP 21639

21632 is one of 8 ZIP codes that lie mostly in Caroline County, MD — 80% of its own area is in the county.

Shaded by typical home value, it ranks 7 of the 7 with a value.

3 school locations in 21632: 1 elementary, 1 middle, 1 high.

In alphabetical order: Colonel Richardson High School, Colonel Richardson Middle School, Federalsburg Elementary School. Locations only — no ratings are shown here.

21639 is one of 8 ZIP codes that lie mostly in Caroline County, MD.

Shaded by typical home value, it ranks 6 of the 7 with a value.

1 school location in 21639: 1 elementary.

In alphabetical order: Greensboro Elementary School. Locations only — no ratings are shown here.

In January 2000 the typical home in 21632 was worth $78,505.

Values peaked at $250,452 in March 2025. The latest reading is −2.5% from that peak.

As of August 2026: $244,264, −1.1% over twelve months.

Start with the typical home: $244,264. Put 20% down and borrow $195,411 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,353 a month in principal and interest.

The median household here earns $59,808 a year, $4,984 a month. So the payment takes 27.1% 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 8.7% 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 $470.

In December 2020, with rates at 2.68%, it was $576.

By August 2026, at 6.67%, it was $1,257 — +118% since December 2020, while the home's value moved +37%.

Reported values rose +211% 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 $154,938. So the real change is +58%, not +211%.

21632: +211% since January 2000.

Caroline County: +237% since January 2000.

Maryland: +180% since January 2000 — 21632 ran ahead of it by 31 points.

Owning the typical home costs about $1,597 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $893 a month.

Price divided by a year's rent: 22.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21639 was worth $92,186.

Values peaked at $315,971 in March 2025. The latest reading is −0.5% from that peak.

As of August 2026: $314,355, +0.4% over twelve months.

Start with the typical home: $314,355. Put 20% down and borrow $251,484 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,741 a month in principal and interest.

The median household here earns $59,274 a year, $4,940 a month. So the payment takes 35.3% 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 10.3% 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 $552.

In December 2020, with rates at 2.68%, it was $787.

By August 2026, at 6.67%, it was $1,617 — +105% since December 2020, while the home's value moved +29%.

Reported values rose +241% 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 $181,939. So the real change is +73%, not +241%.

21639: +241% since January 2000.

Caroline County: +237% since January 2000.

Maryland: +180% since January 2000 — 21639 ran ahead of it by 61 points.

Owning the typical home costs about $2,056 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,154 a month.

Price divided by a year's rent: 22.7. 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 8 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 29.

Going out — closed sales: about 6 a month.

The ladder: homes for sale ÷ monthly sales = 4.6 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 2 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 6 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 6 — so sales ran at 100% of it, and below it in 9 of the last 24 months.

Across Caroline County, builders pulled permits for 75 new homes in 2025.

Of those, 95% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Homes sold: about 5 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 6 — so sales ran at 83% of it, and below it in 9 of the last 24 months.

Across Caroline County, builders pulled permits for 75 new homes in 2025.

Of those, 95% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Caroline County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 557 moved in. Among the ten receiving the most, 526 moved out.

Net across those counties: +31 households. Beside it, homes for sale in this ZIP: 29 in June 2026.

Most arrivals came from Queen Anne's, MD (121 households); most departures went to Talbot, MD (117).

This ZIP sits in Caroline County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 557 moved in. Among the ten receiving the most, 526 moved out.

Net across those counties: +31 households. Beside it, homes for sale in this ZIP: 23 in June 2026.

Most arrivals came from Queen Anne's, MD (121 households); most departures went to Talbot, MD (117).