Lotvox market story · compare
ZIP 21645 vs ZIP 21635
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Who's going to sell
Turnover Index not published for 21645 yet.
Where
21645 in Kent County, MD
21645 is one of 9 ZIP codes that lie mostly in Kent County, MD.
Shaded by typical home value, it ranks 1 of the 9 with a value.
- Value rank in county
- 1 of 9
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Turnover Index not published for 21635 yet.
Where
21635 in Kent County, MD
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.
- Value rank in county
- 2 of 9
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 21635
1 school location in 21635: 1 elementary.
In alphabetical order: Galena Elementary School. Locations only — no ratings are shown here.
- School locations
- 1
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 21645
In January 2000 the typical home in 21645 was worth $183,042.
Values peaked at $555,038 in August 2026. The latest reading is the peak.
As of August 2026: $555,038, +4.1% over twelve months.
- Typical home value
- $555,038
- 12-month change
- +4.1%
Source: Zillow Home Value Index (ZHVI), Zillow Research · 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 $1,096.
In December 2020, with rates at 2.68%, it was $1,318.
By August 2026, at 6.67%, it was $2,856 — +117% since December 2020, while the home's value moved +36%.
- Payment change since 2020
- +117%
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 +203% 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 $361,252. So the real change is +54%, not +203%.
- Real change since 2000
- +54%
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
21645 against its neighbors
21645: +203% since January 2000.
Kent County: +203% since January 2000.
Maryland: +180% since January 2000 — 21645 ran ahead of it by 23 points.
- Change since 2000
- +203%
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 $3,629 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: 28.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 28.0
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 21635
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.
- Typical home value
- $421,498
- 12-month change
- +1.8%
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: $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.
- Payment share of income
- 28.8%
- Monthly P&I
- $2,335
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 $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%.
- Payment change since 2020
- +117%
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 +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%.
- Real change since 2000
- +53%
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
21635 against its neighbors
21635: +201% since January 2000.
Kent County: +203% since January 2000.
Maryland: +180% since January 2000 — 21635 ran ahead of it by 21 points.
- Change since 2000
- +201%
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 $2,756 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.
- Price-to-rent
- 29.1
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Census Bureau, American Community Survey 5-year estimates; 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 4 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 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).
- Units permitted 2025
- 53
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
Housing pulse
Sales pace vs. normal
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.
- 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 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).
- Units permitted 2025
- 53
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 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: 5 in June 2026.
Most arrivals came from Queen Anne's, MD (104 households); most departures went to Queen Anne's, MD (72).
- Net households (top-10 flows)
- +42
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 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).
- Net households (top-10 flows)
- +42
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01