ZIP 21716 vs ZIP 21703

21716 is one of 28 ZIP codes that lie mostly in Frederick County, MD.

Shaded by typical home value, it ranks 18 of the 23 with a value.

3 school locations in 21716: 1 elementary, 1 middle, 1 high.

In alphabetical order: Brunswick Elementary, Brunswick High, Brunswick Middle. Locations only — no ratings are shown here.

21703 is one of 28 ZIP codes that lie mostly in Frederick County, MD.

Shaded by typical home value, it ranks 19 of the 23 with a value.

9 school locations in 21703: 5 elementary, 3 middle, 1 high.

In alphabetical order: Ballenger Creek Elementary, Ballenger Creek Middle, Butterfly Ridge Elementary, Carroll Creek Montessori Public Charter, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 21716 was worth $147,685.

Values peaked at $419,678 in August 2025. The latest reading is −1.1% from that peak.

As of August 2026: $414,994, −1.1% over twelve months.

Start with the typical home: $414,994. Put 20% down and borrow $331,995 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,299 a month in principal and interest.

The median household here earns $107,188 a year, $8,932 a month. So the payment takes 25.7% 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 9.2% 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 $884.

In December 2020, with rates at 2.68%, it was $1,022.

By August 2026, at 6.67%, it was $2,135 — +109% since December 2020, while the home's value moved +31%.

Reported values rose +181% 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 $291,472. So the real change is +42%, not +181%.

21716: +181% since January 2000.

Frederick County: +189% since January 2000.

Maryland: +180% since January 2000.

Owning the typical home costs about $2,714 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,098 a month.

Price divided by a year's rent: 16.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21703 was worth $145,242.

Values peaked at $418,901 in February 2025. The latest reading is −1.6% from that peak.

As of August 2026: $412,051, −1.1% over twelve months.

Start with the typical home: $412,051. Put 20% down and borrow $329,641 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,282 a month in principal and interest.

The median household here earns $105,293 a year, $8,774 a month. So the payment takes 26.0% 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 9.2% 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 $870.

In December 2020, with rates at 2.68%, it was $1,018.

By August 2026, at 6.67%, it was $2,120 — +108% since December 2020, while the home's value moved +31%.

Reported values rose +184% 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 $286,650. So the real change is +44%, not +184%.

21703: +184% since January 2000.

Frederick County: +189% since January 2000.

Maryland: +180% since January 2000 — 21703 ran ahead of it by 3 points.

Owning the typical home costs about $2,694 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,277 a month.

Price divided by a year's rent: 15.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

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 18 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 43.

Going out — closed sales: about 14 a month.

The ladder: homes for sale ÷ monthly sales = 3.1 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 14 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 15 — so sales ran at 93% of it, and below it in 8 of the last 24 months.

Across Frederick County, builders pulled permits for 1,168 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 61 a month (Redfin, 3-month rolling data through August 2026). That is 81% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 117. That is 68% of the 2015–2019 level for the same months.

Going out — closed sales: about 51 a month. That is 68% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.3 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 11 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 51 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 62 — so sales ran at 82% of it, and below it in 24 of the last 24 months.

Across Frederick County, builders pulled permits for 1,168 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 Frederick County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,021 moved in. Among the ten receiving the most, 3,461 moved out.

Net across those counties: +1,560 households. Beside it, homes for sale in this ZIP: 43 in June 2026.

Most arrivals came from Montgomery, MD (2,352 households); most departures went to Washington, MD (953).

This ZIP sits in Frederick County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,021 moved in. Among the ten receiving the most, 3,461 moved out.

Net across those counties: +1,560 households. Beside it, homes for sale in this ZIP: 117 in June 2026.

Most arrivals came from Montgomery, MD (2,352 households); most departures went to Washington, MD (953).