ZIP 21650 vs ZIP 21661

21650 is one of 9 ZIP codes that lie mostly in Kent County, MD.

Shaded by typical home value, it ranks 5 of the 9 with a value.

21661 is one of 9 ZIP codes that lie mostly in Kent County, MD.

Shaded by typical home value, it ranks 6 of the 9 with a value.

1 school location in 21661: 1 elementary.

In alphabetical order: Rock Hall Elementary. Locations only — no ratings are shown here.

In February 2022 the typical home in 21650 was worth $337,021.

Values peaked at $378,332 in August 2026. The latest reading is the peak.

As of August 2026: $378,332, +6.7% over twelve months.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in February 2022 (3.76%) the payment was $1,251.

In February 2022, with rates at 3.76%, it was $1,251.

By August 2026, at 6.67%, it was $1,946 — +56% since February 2022, while the home's value moved +12%.

Reported values rose +12% since February 2022.

General prices (CPI-U) rose +17% over the same span.

Divide one by the other: in August 2026 dollars, the 2022 home was worth $395,814. So the real change is −4%, not +12%.

21650: +12% since February 2022.

Kent County: +15% since February 2022.

Maryland: +11% since February 2022 — 21650 ran ahead of it by 2 points.

Owning the typical home costs about $2,474 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: 26.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21661 was worth $114,127.

Values peaked at $364,411 in August 2026. The latest reading is the peak.

As of August 2026: $364,411, +4.3% over twelve months.

Start with the typical home: $364,411. Put 20% down and borrow $291,529 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,018 a month in principal and interest.

The median household here earns $87,778 a year, $7,315 a month. So the payment takes 27.6% 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 8.6% 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 $683.

In December 2020, with rates at 2.68%, it was $873.

By August 2026, at 6.67%, it was $1,875 — +115% since December 2020, while the home's value moved +35%.

Reported values rose +219% 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 $225,241. So the real change is +62%, not +219%.

21661: +219% since January 2000.

Kent County: +203% since January 2000.

Maryland: +180% since January 2000 — 21661 ran ahead of it by 39 points.

Owning the typical home costs about $2,383 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,099 a month.

Price divided by a year's rent: 27.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 0 a month in July 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 0% of it, and below it in 4 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 7 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 36.

Going out — closed sales: about 4 a month. The drain is drawn 27% narrower: the share of homes for sale that sell each month is 73% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 9.0 months of supply — above 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 4 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 6 — so sales ran at 67% of it, and below it in 10 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: 1 in March 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: 36 in June 2026.

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