ZIP 21638 vs ZIP 21666

21638 is one of 12 ZIP codes that lie mostly in Queen Anne's County, MD.

Shaded by typical home value, it ranks 2 of the 11 with a value.

1 school location in 21638: 1 elementary.

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

21666 is one of 12 ZIP codes that lie mostly in Queen Anne's County, MD.

Shaded by typical home value, it ranks 3 of the 11 with a value.

6 school locations in 21666: 3 elementary, 2 middle, 1 high.

In alphabetical order: Bayside Elementary School, Kent Island Elementary School, Kent Island High School, Matapeake Elementary School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 21638 was worth $205,308.

Values peaked at $577,307 in August 2026. The latest reading is the peak.

As of August 2026: $577,307, +2.8% over twelve months.

Start with the typical home: $577,307. Put 20% down and borrow $461,846 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,198 a month in principal and interest.

The median household here earns $130,804 a year, $10,900 a month. So the payment takes 29.3% 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 10.4% 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 $1,229.

In December 2020, with rates at 2.68%, it was $1,334.

By August 2026, at 6.67%, it was $2,970 — +123% since December 2020, while the home's value moved +40%.

Reported values rose +181% 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 $405,196. So the real change is +42%, not +181%.

21638: +181% since January 2000.

Queen Anne's County: +153% since January 2000.

Maryland: +180% since January 2000.

Owning the typical home costs about $3,775 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,608 a month.

Price divided by a year's rent: 29.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21666 was worth $212,890.

Values peaked at $543,416 in August 2026. The latest reading is the peak.

As of August 2026: $543,416, +1.8% over twelve months.

Start with the typical home: $543,416. Put 20% down and borrow $434,733 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,010 a month in principal and interest.

The median household here earns $130,426 a year, $10,869 a month. So the payment takes 27.7% 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 10.8% 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 $1,275.

In December 2020, with rates at 2.68%, it was $1,308.

By August 2026, at 6.67%, it was $2,796 — +114% since December 2020, while the home's value moved +35%.

Reported values rose +155% 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 $420,160. So the real change is +29%, not +155%.

21666: +155% since January 2000.

Queen Anne's County: +153% since January 2000.

Maryland: +180% since January 2000 — 21666 ran behind it by 25 points.

Owning the typical home costs about $3,553 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,809 a month.

Price divided by a year's rent: 25.0. 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 12 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 39.

Going out — closed sales: about 9 a month.

The ladder: homes for sale ÷ monthly sales = 4.2 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 9 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 11 — so sales ran at 82% of it, and below it in 7 of the last 24 months.

Across Queen Anne's County, builders pulled permits for 285 new homes in 2025.

Of those, 94% 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 27 a month (Redfin, 3-month rolling data through August 2026). That is 79% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 102.

Going out — closed sales: about 24 a month. That is 89% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 4.3 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 3 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 22 — so sales ran at 109% of it, and below it in 16 of the last 24 months.

Across Queen Anne's County, builders pulled permits for 285 new homes in 2025.

Of those, 94% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Queen Anne's County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 989 moved in. Among the ten receiving the most, 697 moved out.

Net across those counties: +292 households. Beside it, homes for sale in this ZIP: 39 in June 2026.

Most arrivals came from Anne Arundel, MD (463 households); most departures went to Anne Arundel, MD (210).

This ZIP sits in Queen Anne's County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 989 moved in. Among the ten receiving the most, 697 moved out.

Net across those counties: +292 households. Beside it, homes for sale in this ZIP: 102 in June 2026.

Most arrivals came from Anne Arundel, MD (463 households); most departures went to Anne Arundel, MD (210).