ZIP 21782 vs ZIP 21742

21782 is one of 18 ZIP codes that lie mostly in Washington County, MD.

Shaded by typical home value, it ranks 8 of the 15 with a value.

1 school location in 21782: 1 elementary.

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

21742 is one of 18 ZIP codes that lie mostly in Washington County, MD.

Shaded by typical home value, it ranks 9 of the 15 with a value.

8 school locations in 21742: 6 elementary, 1 middle, 1 high.

In alphabetical order: Eastern Elementary, Fountaindale Elementary, Northern Middle, North Hagerstown High, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 21782 was worth $127,709.

Values peaked at $349,974 in August 2026. The latest reading is the peak.

As of August 2026: $349,974, +0.4% over twelve months.

Start with the typical home: $349,974. Put 20% down and borrow $279,979 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,939 a month in principal and interest.

The median household here earns $89,375 a year, $7,448 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 9.5% 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 $765.

In December 2020, with rates at 2.68%, it was $885.

By August 2026, at 6.67%, it was $1,801 — +104% since December 2020, while the home's value moved +28%.

Reported values rose +174% 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 $252,047. So the real change is +39%, not +174%.

21782: +174% since January 2000.

Washington County: +155% since January 2000.

Maryland: +180% since January 2000 — 21782 ran behind it by 6 points.

Owning the typical home costs about $2,288 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,110 a month.

Price divided by a year's rent: 26.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21742 was worth $141,929.

Values peaked at $347,534 in April 2026. The latest reading is −0.4% from that peak.

As of August 2026: $346,314, +0.9% over twelve months.

Start with the typical home: $346,314. Put 20% down and borrow $277,051 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,918 a month in principal and interest.

The median household here earns $80,533 a year, $6,711 a month. So the payment takes 28.6% 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 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 $850.

In December 2020, with rates at 2.68%, it was $839.

By August 2026, at 6.67%, it was $1,782 — +112% since December 2020, while the home's value moved +34%.

Reported values rose +144% 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 $280,112. So the real change is +24%, not +144%.

21742: +144% since January 2000.

Washington County: +155% since January 2000.

Maryland: +180% since January 2000 — 21742 ran behind it by 36 points.

Owning the typical home costs about $2,265 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,617 a month.

Price divided by a year's rent: 17.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 5 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 5 — so sales ran at 100% of it, and below it in 13 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 53 a month (Redfin, 3-month rolling data through August 2026). That is 89% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 154. That is 82% of the 2015–2019 level for the same months.

Going out — closed sales: about 40 a month. That is 75% of the 2015–2019 level for the same months. The drain is drawn 2% narrower: the share of homes for sale that sell each month is 98% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.9 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 13 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 40 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 48 — so sales ran at 83% of it, and below it in 19 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: 20 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: 154 in June 2026.

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