Lotvox market story · compare
ZIP 21655 vs ZIP 21639
1 of 4
Who's going to sell
Turnover Index not published for 21655 yet.
Where
21655 in Caroline County, MD
21655 is one of 8 ZIP codes that lie mostly in Caroline County, MD.
Shaded by typical home value, it ranks 5 of the 7 with a value.
- Value rank in county
- 5 of 7
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 21655
1 school location in 21655: 1 elementary.
In alphabetical order: Preston 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)
Turnover Index not published for 21639 yet.
Where
21639 in Caroline County, MD
21639 is one of 8 ZIP codes that lie mostly in Caroline County, MD.
Shaded by typical home value, it ranks 6 of the 7 with a value.
- Value rank in county
- 6 of 7
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 21639
1 school location in 21639: 1 elementary.
In alphabetical order: Greensboro 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)
2 of 4
What it costs
Home values
What homes are worth in 21655
In January 2000 the typical home in 21655 was worth $98,514.
Values peaked at $339,314 in April 2026. The latest reading is −0.6% from that peak.
As of August 2026: $337,425, +1.4% over twelve months.
- Typical home value
- $337,425
- 12-month change
- +1.4%
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: $337,425. Put 20% down and borrow $269,940 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,869 a month in principal and interest.
The median household here earns $85,608 a year, $7,134 a month. So the payment takes 26.2% 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 7.6% in 2000.
- Payment share of income
- 26.2%
- Monthly P&I
- $1,869
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 $590.
In December 2020, with rates at 2.68%, it was $824.
By August 2026, at 6.67%, it was $1,736 — +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 +243% 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 $194,428. So the real change is +74%, not +243%.
- Real change since 2000
- +74%
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
21655 against its neighbors
21655: +243% since January 2000.
Caroline County: +237% since January 2000.
Maryland: +180% since January 2000 — 21655 ran ahead of it by 62 points.
- Change since 2000
- +243%
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 $2,206 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,215 a month.
Price divided by a year's rent: 23.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 23.1
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 21639
In January 2000 the typical home in 21639 was worth $92,186.
Values peaked at $315,971 in March 2025. The latest reading is −0.5% from that peak.
As of August 2026: $314,355, +0.4% over twelve months.
- Typical home value
- $314,355
- 12-month change
- +0.4%
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: $314,355. Put 20% down and borrow $251,484 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,741 a month in principal and interest.
The median household here earns $59,274 a year, $4,940 a month. So the payment takes 35.3% 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 10.3% in 2000.
- Payment share of income
- 35.3%
- Monthly P&I
- $1,741
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 $552.
In December 2020, with rates at 2.68%, it was $787.
By August 2026, at 6.67%, it was $1,617 — +105% since December 2020, while the home's value moved +29%.
- Payment change since 2020
- +105%
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 +241% 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 $181,939. So the real change is +73%, not +241%.
- Real change since 2000
- +73%
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
21639 against its neighbors
21639: +241% since January 2000.
Caroline County: +237% since January 2000.
Maryland: +180% since January 2000 — 21639 ran ahead of it by 61 points.
- Change since 2000
- +241%
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 $2,056 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,154 a month.
Price divided by a year's rent: 22.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 22.7
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)
3 of 4
What's moving
Housing pulse
Sales pace vs. normal
Homes sold: about 8 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 5 — so sales ran at 160% of it, and below it in 12 of the last 24 months.
- Sales vs 2015–19 level
- 160%
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 9 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
4 of 4
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: 20 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: 23 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