ZIP 21754 vs ZIP 21770

21754 is one of 28 ZIP codes that lie mostly in Frederick County, MD.

Shaded by typical home value, it ranks 1 of the 23 with a value.

6 school locations in 21754: 1 elementary, 3 middle, 2 high.

In alphabetical order: Oakdale Elementary, Oakdale High, Oakdale Middle, Urbana High, and more on the ZIP page. Locations only — no ratings are shown here.

21770 is one of 28 ZIP codes that lie mostly in Frederick County, MD.

Shaded by typical home value, it ranks 2 of the 23 with a value.

2 school locations in 21770: 2 elementary.

In alphabetical order: Green Valley Elementary, Kemptown Elementary. Locations only — no ratings are shown here.

In January 2000 the typical home in 21754 was worth $234,758.

Values peaked at $690,415 in April 2026. The latest reading is −0.2% from that peak.

As of August 2026: $688,798, +0.8% over twelve months.

Start with the typical home: $688,798. Put 20% down and borrow $551,038 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,815 a month in principal and interest.

The median household here earns $179,797 a year, $14,983 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 8.7% 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 $1,406.

In December 2020, with rates at 2.68%, it was $1,677.

By August 2026, at 6.67%, it was $3,544 — +111% since December 2020, while the home's value moved +33%.

Reported values rose +193% 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 $463,319. So the real change is +49%, not +193%.

21754: +193% since January 2000.

Frederick County: +189% since January 2000.

Maryland: +180% since January 2000 — 21754 ran ahead of it by 13 points.

Owning the typical home costs about $4,504 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,774 a month.

Price divided by a year's rent: 32.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21770 was worth $231,663.

Values peaked at $661,229 in April 2026. The latest reading is −0.1% from that peak.

As of August 2026: $660,508, +0.6% over twelve months.

Start with the typical home: $660,508. Put 20% down and borrow $528,406 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,659 a month in principal and interest.

The median household here earns $184,464 a year, $15,372 a month. So the payment takes 23.8% 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 8.3% 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 $1,387.

In December 2020, with rates at 2.68%, it was $1,619.

By August 2026, at 6.67%, it was $3,398 — +110% since December 2020, while the home's value moved +32%.

Reported values rose +185% 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 $457,211. So the real change is +44%, not +185%.

21770: +185% since January 2000.

Frederick County: +189% since January 2000.

Maryland: +180% since January 2000 — 21770 ran ahead of it by 5 points.

Owning the typical home costs about $4,319 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,774 a month.

Price divided by a year's rent: 31.0. 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 15 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 30.

Going out — closed sales: about 13 a month.

The ladder: homes for sale ÷ monthly sales = 2.4 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: about 3 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 13 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 9 — so sales ran at 144% of it, and below it in 17 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).

Homes sold: about 7 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 11 — so sales ran at 64% 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: 30 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: 18 in June 2026.

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