ZIP 21774 vs ZIP 21755

21774 is one of 28 ZIP codes that lie mostly in Frederick County, MD.

Shaded by typical home value, it ranks 6 of the 23 with a value.

4 school locations in 21774: 3 elementary, 1 middle.

In alphabetical order: Blue Heron Elementary, Deer Crossing Elementary, New Market Elementary, New Market Middle. Locations only — no ratings are shown here.

21755 is one of 28 ZIP codes that lie mostly in Frederick County, MD.

Shaded by typical home value, it ranks 7 of the 23 with a value.

1 school location in 21755: 1 elementary.

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

In January 2000 the typical home in 21774 was worth $195,655.

Values peaked at $601,473 in June 2025. The latest reading is −0.6% from that peak.

As of August 2026: $597,632, −0.4% over twelve months.

Start with the typical home: $597,632. Put 20% down and borrow $478,106 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,310 a month in principal and interest.

The median household here earns $171,875 a year, $14,323 a month. So the payment takes 23.1% 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 7.6% 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 $1,172.

In December 2020, with rates at 2.68%, it was $1,454.

By August 2026, at 6.67%, it was $3,075 — +111% since December 2020, while the home's value moved +33%.

Reported values rose +205% 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 $386,145. So the real change is +55%, not +205%.

21774: +206% since January 2000.

Frederick County: +189% since January 2000.

Maryland: +180% since January 2000 — 21774 ran ahead of it by 25 points.

Owning the typical home costs about $3,908 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,779 a month.

Price divided by a year's rent: 17.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21755 was worth $194,154.

Values peaked at $569,589 in December 2025. The latest reading is −0.2% from that peak.

As of August 2026: $568,188, +0.3% over twelve months.

Start with the typical home: $568,188. Put 20% down and borrow $454,550 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,147 a month in principal and interest.

The median household here earns $134,677 a year, $11,223 a month. So the payment takes 28.0% 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 9.6% 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 $1,163.

In December 2020, with rates at 2.68%, it was $1,387.

By August 2026, at 6.67%, it was $2,923 — +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 $383,183. So the real change is +48%, not +193%.

21755: +193% since January 2000.

Frederick County: +189% since January 2000.

Maryland: +180% since January 2000 — 21755 ran ahead of it by 12 points.

Owning the typical home costs about $3,715 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,133 a month.

Price divided by a year's rent: 41.8. 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 35 a month (Redfin, 3-month rolling data through August 2026). That is 83% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 70.

Going out — closed sales: about 30 a month. That is 84% of the 2015–2019 level for the same months.

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 5 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 30 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 30 — so sales ran at 100% of it, and below it in 19 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 8 — so sales ran at 88% of it, and below it in 15 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: 70 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: 11 in June 2026.

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