Lotvox market story · compare
ZIP 21640 vs ZIP 21660
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Who's going to sell
Turnover Index not published for 21640 yet.
Where
21640 in Caroline County, MD
21640 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 1 of the 7 with a value.
- Value rank in county
- 1 of 7
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Turnover Index not published for 21660 yet.
Where
21660 in Caroline County, MD
21660 is one of 8 ZIP codes that lie mostly in Caroline County, MD.
Shaded by typical home value, it ranks 2 of the 7 with a value.
- Value rank in county
- 2 of 7
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 21660
3 school locations in 21660: 1 elementary, 1 high, 1 other.
In alphabetical order: Caroline Career & Technology Center, North Caroline High School, Ridgely Elementary School. Locations only — no ratings are shown here.
- School locations
- 3
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
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What it costs
Home values
What homes are worth in 21640
In January 2000 the typical home in 21640 was worth $109,622.
Values peaked at $398,210 in March 2025. The latest reading is −0.1% from that peak.
As of August 2026: $397,643, +2.2% over twelve months.
- Typical home value
- $397,643
- 12-month change
- +2.2%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $397,643. Put 20% down and borrow $318,114 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $2,203 a month in principal and interest.
The median household here earns $65,952 a year, $5,496 a month. So the payment takes 40.1% of income — rated “severe” (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 11.0% in 2000.
- Payment share of income
- 40.1%
- Monthly P&I
- $2,203
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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 $656.
In December 2020, with rates at 2.68%, it was $970.
By August 2026, at 6.67%, it was $2,046 — +111% since December 2020, while the home's value moved +33%.
- Payment change since 2020
- +111%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +263% 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 $216,350. So the real change is +84%, not +263%.
- Real change since 2000
- +84%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
21640 against its neighbors
21640: +263% since January 2000.
Caroline County: +237% since January 2000.
Maryland: +180% since January 2000 — 21640 ran ahead of it by 82 points.
- Change since 2000
- +263%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $2,600 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,650 a month.
Price divided by a year's rent: 20.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 20.1
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
Home values
What homes are worth in 21660
In January 2000 the typical home in 21660 was worth $100,815.
Values peaked at $369,509 in April 2026. The latest reading is −0.2% from that peak.
As of August 2026: $368,837, +1.7% over twelve months.
- Typical home value
- $368,837
- 12-month change
- +1.7%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $368,837. Put 20% down and borrow $295,070 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $2,043 a month in principal and interest.
The median household here earns $76,917 a year, $6,410 a month. So the payment takes 31.9% 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 8.7% in 2000.
- Payment share of income
- 31.9%
- Monthly P&I
- $2,043
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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 $604.
In December 2020, with rates at 2.68%, it was $916.
By August 2026, at 6.67%, it was $1,898 — +107% since December 2020, while the home's value moved +30%.
- Payment change since 2020
- +107%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +266% 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 $198,969. So the real change is +85%, not +266%.
- Real change since 2000
- +85%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
21660 against its neighbors
21660: +266% since January 2000.
Caroline County: +237% since January 2000.
Maryland: +180% since January 2000 — 21660 ran ahead of it by 86 points.
- Change since 2000
- +266%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $2,412 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $892 a month.
Price divided by a year's rent: 34.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 34.5
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
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What's moving
Housing pulse
Sales pace vs. normal
Homes sold: about 1 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 1 — so sales ran at 100% of it, and below it in 5 of the last 24 months.
- Sales vs 2015–19 level
- 100%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
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).
- Units permitted 2025
- 75
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
Housing pulse
Sales pace vs. normal
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 18 of the last 24 months.
- Sales vs 2015–19 level
- 83%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
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).
- Units permitted 2025
- 75
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
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Who's holding, who's leaving
Housing pulse
Migration and inventory
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: 1 in June 2026.
Most arrivals came from Queen Anne's, MD (121 households); most departures went to Talbot, MD (117).
- Net households (top-10 flows)
- +31
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01
Housing pulse
Migration and inventory
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: 19 in June 2026.
Most arrivals came from Queen Anne's, MD (121 households); most departures went to Talbot, MD (117).
- Net households (top-10 flows)
- +31
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01