ZIP 21757 vs ZIP 21074

21757 is one of 9 ZIP codes that lie mostly in Carroll County, MD — 52% of its own area is in the county.

Shaded by typical home value, it ranks 7 of the 9 with a value.

1 school location in 21757: 1 elementary.

In alphabetical order: New Midway/Woodsboro Elementary. Locations only — no ratings are shown here.

21074 is one of 9 ZIP codes that lie mostly in Carroll County, MD — 72% of its own area is in the county.

Shaded by typical home value, it ranks 8 of the 9 with a value.

4 school locations in 21074: 2 elementary, 2 middle.

In alphabetical order: Hampstead Elementary, North Carroll Middle, Shiloh Middle, Spring Garden Elementary. Locations only — no ratings are shown here.

In January 2000 the typical home in 21757 was worth $143,635.

Values peaked at $458,988 in June 2026. The latest reading is −0.3% from that peak.

As of August 2026: $457,708, +1.2% over twelve months.

Start with the typical home: $457,708. Put 20% down and borrow $366,166 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,535 a month in principal and interest.

The median household here earns $98,520 a year, $8,210 a month. So the payment takes 30.9% 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 9.7% 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 $860.

In December 2020, with rates at 2.68%, it was $1,114.

By August 2026, at 6.67%, it was $2,355 — +111% since December 2020, while the home's value moved +33%.

Reported values rose +219% 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 $283,478. So the real change is +61%, not +219%.

21757: +219% since January 2000.

Carroll County: +187% since January 2000.

Maryland: +180% since January 2000 — 21757 ran ahead of it by 38 points.

Owning the typical home costs about $2,993 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,331 a month.

Price divided by a year's rent: 28.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21074 was worth $151,509.

Values peaked at $434,368 in July 2026. The latest reading is −0.1% from that peak.

As of August 2026: $434,085, +2.3% over twelve months.

Start with the typical home: $434,085. Put 20% down and borrow $347,268 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,404 a month in principal and interest.

The median household here earns $101,462 a year, $8,455 a month. So the payment takes 28.4% 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 9.9% 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 $907.

In December 2020, with rates at 2.68%, it was $1,083.

By August 2026, at 6.67%, it was $2,233 — +106% since December 2020, while the home's value moved +30%.

Reported values rose +187% 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 $299,019. So the real change is +45%, not +187%.

21074: +187% since January 2000.

Carroll County: +187% since January 2000.

Maryland: +180% since January 2000 — 21074 ran ahead of it by 6 points.

Owning the typical home costs about $2,838 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,064 a month.

Price divided by a year's rent: 34.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

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 10 of the last 24 months.

Across Carroll County, builders pulled permits for 153 new homes in 2025.

Of those, 100% 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 19 a month (Redfin, 3-month rolling data through August 2026). That is 72% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 31.

Going out — closed sales: about 22 a month.

The ladder: homes for sale ÷ monthly sales = 1.4 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 sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 22 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 23 — so sales ran at 96% of it, and below it in 20 of the last 24 months.

Across Carroll County, builders pulled permits for 153 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Carroll County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,761 moved in. Among the ten receiving the most, 2,272 moved out.

Net across those counties: +489 households. Beside it, homes for sale in this ZIP: 4 in June 2026.

Most arrivals came from Baltimore, MD (842 households); most departures went to Baltimore, MD (593).

This ZIP sits in Carroll County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,761 moved in. Among the ten receiving the most, 2,272 moved out.

Net across those counties: +489 households. Beside it, homes for sale in this ZIP: 31 in June 2026.

Most arrivals came from Baltimore, MD (842 households); most departures went to Baltimore, MD (593).