ZIP 21654 vs ZIP 21665

21654 is one of 15 ZIP codes that lie mostly in Talbot County, MD.

Shaded by typical home value, it ranks 3 of the 14 with a value.

21665 is one of 15 ZIP codes that lie mostly in Talbot County, MD.

Shaded by typical home value, it ranks 4 of the 14 with a value.

In January 2000 the typical home in 21654 was worth $346,092.

Values peaked at $911,238 in August 2026. The latest reading is the peak.

As of August 2026: $911,238, +0.1% over twelve months.

Start with the typical home: $911,238. Put 20% down and borrow $728,990 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $5,047 a month in principal and interest.

The median household here earns $88,512 a year, $7,376 a month. So the payment takes 68.4% 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 26.0% 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 $2,072.

In December 2020, with rates at 2.68%, it was $2,036.

By August 2026, at 6.67%, it was $4,688 — +130% since December 2020, while the home's value moved +45%.

Reported values rose +163% 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 $683,048. So the real change is +33%, not +163%.

21654: +163% since January 2000.

Talbot County: +153% since January 2000.

Maryland: +180% since January 2000 — 21654 ran behind it by 17 points.

Owning the typical home costs about $5,959 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,216 a month.

Price divided by a year's rent: 62.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In February 2018 the typical home in 21665 was worth $460,132.

Values peaked at $743,429 in December 2024. The latest reading is −0.9% from that peak.

As of August 2026: $736,453, +2.1% over twelve months.

Start with the typical home: $736,453. Put 20% down and borrow $589,162 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,079 a month in principal and interest.

The median household here earns $81,667 a year, $6,806 a month. So the payment takes 59.9% 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 37.4% in 2018.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in February 2018 (4.33%) the payment was $1,828.

In December 2020, with rates at 2.68%, it was $1,698.

By August 2026, at 6.67%, it was $3,789 — +123% since December 2020, while the home's value moved +40%.

Reported values rose +60% since February 2018.

General prices (CPI-U) rose +34% over the same span.

Divide one by the other: in August 2026 dollars, the 2018 home was worth $616,138. So the real change is +20%, not +60%.

21665: +60% since February 2018.

Talbot County: +49% since February 2018.

Maryland: +42% since February 2018 — 21665 ran ahead of it by 18 points.

Owning the typical home costs about $4,816 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,256 a month.

Price divided by a year's rent: 48.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 4 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 4 — so sales ran at 100% of it, and below it in 11 of the last 24 months.

Across Talbot County, builders pulled permits for 198 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

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 9 of the last 24 months.

Across Talbot County, builders pulled permits for 198 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Talbot County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 580 moved in. Among the ten receiving the most, 525 moved out.

Net across those counties: +55 households. Beside it, homes for sale in this ZIP: 13 in June 2026.

Most arrivals came from Caroline, MD (117 households); most departures went to Dorchester, MD (130).

This ZIP sits in Talbot County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 580 moved in. Among the ten receiving the most, 525 moved out.

Net across those counties: +55 households. Beside it, homes for sale in this ZIP: 1 in June 2026.

Most arrivals came from Caroline, MD (117 households); most departures went to Dorchester, MD (130).