ZIP 21733 vs ZIP 21713

21733 is one of 18 ZIP codes that lie mostly in Washington County, MD.

Shaded by typical home value, it ranks 3 of the 15 with a value.

21713 is one of 18 ZIP codes that lie mostly in Washington County, MD.

Shaded by typical home value, it ranks 4 of the 15 with a value.

4 school locations in 21713: 2 elementary, 1 middle, 1 high.

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

In January 2000 the typical home in 21733 was worth $148,929.

Values peaked at $410,537 in December 2025. The latest reading is −0.3% from that peak.

As of August 2026: $409,259, +0.1% over twelve months.

Start with the typical home: $409,259. Put 20% down and borrow $327,407 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,267 a month in principal and interest.

The median household here earns $106,667 a year, $8,889 a month. So the payment takes 25.5% 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 9.3% 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 $892.

In December 2020, with rates at 2.68%, it was $1,032.

By August 2026, at 6.67%, it was $2,106 — +104% since December 2020, while the home's value moved +28%.

Reported values rose +175% 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 $293,927. So the real change is +39%, not +175%.

21733: +175% since January 2000.

Washington County: +155% since January 2000.

Maryland: +180% since January 2000 — 21733 ran behind it by 6 points.

Owning the typical home costs about $2,676 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,147 a month.

Price divided by a year's rent: 29.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21713 was worth $179,459.

Values peaked at $410,986 in February 2026. The latest reading is −0.5% from that peak.

As of August 2026: $409,011, +1.2% over twelve months.

Start with the typical home: $409,011. Put 20% down and borrow $327,209 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,266 a month in principal and interest.

The median household here earns $101,585 a year, $8,465 a month. So the payment takes 26.8% 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 11.7% 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 $1,075.

In December 2020, with rates at 2.68%, it was $1,024.

By August 2026, at 6.67%, it was $2,104 — +106% since December 2020, while the home's value moved +29%.

Reported values rose +128% 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 $354,181. So the real change is +15%, not +128%.

21713: +128% since January 2000.

Washington County: +155% since January 2000.

Maryland: +180% since January 2000 — 21713 ran behind it by 52 points.

Owning the typical home costs about $2,675 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,214 a month.

Price divided by a year's rent: 28.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

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 8 of the last 24 months.

Across Washington County, builders pulled permits for 354 new homes in 2025.

Of those, 51% 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 12 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 41.

Going out — closed sales: about 12 a month.

The ladder: homes for sale ÷ monthly sales = 3.4 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: listings and sales were even.

Homes sold: about 12 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 13 — so sales ran at 92% of it, and below it in 18 of the last 24 months.

Across Washington County, builders pulled permits for 354 new homes in 2025.

Of those, 51% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Washington County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,497 moved in. Among the ten receiving the most, 2,061 moved out.

Net across those counties: +436 households. Beside it, homes for sale in this ZIP: 3 in June 2026.

Most arrivals came from Frederick, MD (953 households); most departures went to Frederick, MD (523).

This ZIP sits in Washington County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,497 moved in. Among the ten receiving the most, 2,061 moved out.

Net across those counties: +436 households. Beside it, homes for sale in this ZIP: 41 in June 2026.

Most arrivals came from Frederick, MD (953 households); most departures went to Frederick, MD (523).