Lotvox market story · compare
ZIP 21651 vs ZIP 21610
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Who's going to sell
Turnover Index not published for 21651 yet.
Where
21651 in Kent County, MD
21651 is one of 9 ZIP codes that lie mostly in Kent County, MD — 71% of its own area is in the county.
Shaded by typical home value, it ranks 7 of the 9 with a value.
- Value rank in county
- 7 of 9
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Turnover Index not published for 21610 yet.
Where
21610 in Kent County, MD
21610 is one of 9 ZIP codes that lie mostly in Kent County, MD.
Shaded by typical home value, it ranks 8 of the 9 with a value.
- Value rank in county
- 8 of 9
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
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What it costs
Home values
What homes are worth in 21651
In January 2000 the typical home in 21651 was worth $127,239.
Values peaked at $352,249 in August 2026. The latest reading is the peak.
As of August 2026: $352,249, +3.0% over twelve months.
- Typical home value
- $352,249
- 12-month change
- +3.0%
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: $352,249. Put 20% down and borrow $281,799 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,951 a month in principal and interest.
The median household here earns $71,983 a year, $5,999 a month. So the payment takes 32.5% 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 11.7% in 2000.
- Payment share of income
- 32.5%
- Monthly P&I
- $1,951
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 $762.
In December 2020, with rates at 2.68%, it was $850.
By August 2026, at 6.67%, it was $1,812 — +113% since December 2020, while the home's value moved +34%.
- Payment change since 2020
- +113%
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 +177% 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 $251,119. So the real change is +40%, not +177%.
- Real change since 2000
- +40%
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
21651 against its neighbors
21651: +177% since January 2000.
Kent County: +203% since January 2000.
Maryland: +180% since January 2000 — 21651 ran behind it by 4 points.
- Change since 2000
- +177%
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 $2,303 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,136 a month.
Price divided by a year's rent: 25.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 25.8
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 21610
In January 2000 the typical home in 21610 was worth $103,231.
Values peaked at $322,272 in May 2026. The latest reading is −0.1% from that peak.
As of August 2026: $321,970, +1.0% over twelve months.
- Typical home value
- $321,970
- 12-month change
- +1.0%
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: $321,970. Put 20% down and borrow $257,576 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,783 a month in principal and interest.
The median household here earns $74,375 a year, $6,198 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 9.2% in 2000.
- Payment share of income
- 28.8%
- Monthly P&I
- $1,783
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 $618.
In December 2020, with rates at 2.68%, it was $783.
By August 2026, at 6.67%, it was $1,656 — +112% since December 2020, while the home's value moved +33%.
- Payment change since 2020
- +112%
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 +212% 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 $203,737. So the real change is +58%, not +212%.
- Real change since 2000
- +58%
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
21610 against its neighbors
21610: +212% since January 2000.
Kent County: +203% since January 2000.
Maryland: +180% since January 2000 — 21610 ran ahead of it by 32 points.
- Change since 2000
- +212%
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 $2,105 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $900 a month.
Price divided by a year's rent: 29.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 29.8
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 2 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 2 — so sales ran at 100% of it, and below it in 10 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 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 2 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: 17 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: 6 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