ZIP 21635 vs ZIP 21620

21635 is one of 9 ZIP codes that lie mostly in Kent County, MD.

Shaded by typical home value, it ranks 2 of the 9 with a value.

1 school location in 21635: 1 elementary.

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

21620 is one of 9 ZIP codes that lie mostly in Kent County, MD — 74% of its own area is in the county.

Shaded by typical home value, it ranks 3 of the 9 with a value.

2 school locations in 21620: 1 elementary, 1 middle.

In alphabetical order: H. H. Garnett Elementary, Kent County Middle School. Locations only — no ratings are shown here.

In January 2000 the typical home in 21635 was worth $139,876.

Values peaked at $421,498 in August 2026. The latest reading is the peak.

As of August 2026: $421,498, +1.8% over twelve months.

Start with the typical home: $421,498. Put 20% down and borrow $337,198 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,335 a month in principal and interest.

The median household here earns $97,194 a year, $8,100 a month. So the payment takes 28.8% 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 9.6% 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 $838.

In December 2020, with rates at 2.68%, it was $999.

By August 2026, at 6.67%, it was $2,168 — +117% since December 2020, while the home's value moved +37%.

Reported values rose +201% 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 $276,060. So the real change is +53%, not +201%.

21635: +201% since January 2000.

Kent County: +203% since January 2000.

Maryland: +180% since January 2000 — 21635 ran ahead of it by 21 points.

Owning the typical home costs about $2,756 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,209 a month.

Price divided by a year's rent: 29.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21620 was worth $129,343.

Values peaked at $393,403 in August 2026. The latest reading is the peak.

As of August 2026: $393,403, +1.9% over twelve months.

Start with the typical home: $393,404. Put 20% down and borrow $314,723 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,179 a month in principal and interest.

The median household here earns $76,094 a year, $6,341 a month. So the payment takes 34.4% 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 11.3% 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 $774.

In December 2020, with rates at 2.68%, it was $923.

By August 2026, at 6.67%, it was $2,024 — +119% since December 2020, while the home's value moved +38%.

Reported values rose +204% 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 $255,272. So the real change is +54%, not +204%.

21620: +204% since January 2000.

Kent County: +203% since January 2000.

Maryland: +180% since January 2000 — 21620 ran ahead of it by 24 points.

Owning the typical home costs about $2,572 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,375 a month.

Price divided by a year's rent: 23.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 3 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 3 — so sales ran at 100% of it, and below it in 17 of the last 24 months.

Across Kent County, builders pulled permits for 53 new homes in 2025.

Of those, 70% 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 80% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 70.

Going out — closed sales: about 17 a month.

The ladder: homes for sale ÷ monthly sales = 4.0 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 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 17 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 22 — so sales ran at 77% of it, and below it in 16 of the last 24 months.

Across Kent County, builders pulled permits for 53 new homes in 2025.

Of those, 70% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Kent County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 216 moved in. Among the ten receiving the most, 174 moved out.

Net across those counties: +42 households. Beside it, homes for sale in this ZIP: 11 in June 2026.

Most arrivals came from Queen Anne's, MD (104 households); most departures went to Queen Anne's, MD (72).

This ZIP sits in Kent County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 216 moved in. Among the ten receiving the most, 174 moved out.

Net across those counties: +42 households. Beside it, homes for sale in this ZIP: 70 in June 2026.

Most arrivals came from Queen Anne's, MD (104 households); most departures went to Queen Anne's, MD (72).