Lotvox market story · compare
ZIP 21678 vs ZIP 21650
1 of 4
Who's going to sell
Turnover Index not published for 21678 yet.
Where
21678 in Kent County, MD
21678 is one of 9 ZIP codes that lie mostly in Kent County, MD.
Shaded by typical home value, it ranks 4 of the 9 with a value.
- Value rank in county
- 4 of 9
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 21678
1 school location in 21678: 1 high.
In alphabetical order: Kent County High. 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 21650 yet.
Where
21650 in Kent County, MD
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.
- Value rank in county
- 5 of 9
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
2 of 4
What it costs
Home values
What homes are worth in 21678
In January 2000 the typical home in 21678 was worth $140,943.
Values peaked at $380,309 in August 2026. The latest reading is the peak.
As of August 2026: $380,309, +4.4% over twelve months.
- Typical home value
- $380,309
- 12-month change
- +4.4%
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: $380,309. Put 20% down and borrow $304,247 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $2,107 a month in principal and interest.
The median household here earns $70,167 a year, $5,847 a month. So the payment takes 36.0% 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 13.4% in 2000.
- Payment share of income
- 36.0%
- Monthly P&I
- $2,107
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 $844.
In December 2020, with rates at 2.68%, it was $956.
By August 2026, at 6.67%, it was $1,957 — +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 +170% 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 $278,166. So the real change is +37%, not +170%.
- Real change since 2000
- +37%
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
21678 against its neighbors
21678: +170% since January 2000.
Kent County: +203% since January 2000.
Maryland: +180% since January 2000 — 21678 ran behind it by 11 points.
- Change since 2000
- +170%
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 $2,487 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: 26.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 26.2
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)
Home values
What homes are worth in 21650
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.
- Typical home value
- $378,332
- 12-month change
- +6.7%
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 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%.
- Payment change since 2022
- +56%
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 +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%.
- Real change since 2022
- −4%
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
21650 against its neighbors
21650: +12% since February 2022.
Kent County: +15% since February 2022.
Maryland: +11% since February 2022 — 21650 ran ahead of it by 2 points.
- Change since 2022
- +12%
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 $2,474 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.
- Price-to-rent
- 26.1
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 3 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 2 — so sales ran at 150% of it, and below it in 3 of the last 24 months.
- Sales vs 2015–19 level
- 150%
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 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.
- Sales vs 2015–19 level
- 0%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-07
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
4 of 4
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: 19 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: 1 in March 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 2026-03-01