ZIP 21783 vs ZIP 21711

21783 is one of 18 ZIP codes that lie mostly in Washington County, MD — 73% of its own area is in the county.

Shaded by typical home value, it ranks 6 of the 15 with a value.

3 school locations in 21783: 1 elementary, 1 middle, 1 high.

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

21711 is one of 18 ZIP codes that lie mostly in Washington County, MD.

Shaded by typical home value, it ranks 7 of the 15 with a value.

In January 2000 the typical home in 21783 was worth $134,376.

Values peaked at $370,914 in July 2026. The latest reading is the peak.

As of August 2026: $370,870, +1.6% over twelve months.

Start with the typical home: $370,870. Put 20% down and borrow $296,696 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,054 a month in principal and interest.

The median household here earns $96,055 a year, $8,005 a month. So the payment takes 25.7% 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 $805.

In December 2020, with rates at 2.68%, it was $903.

By August 2026, at 6.67%, it was $1,908 — +111% since December 2020, while the home's value moved +33%.

Reported values rose +176% 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 $265,205. So the real change is +40%, not +176%.

21783: +176% since January 2000.

Washington County: +155% since January 2000.

Maryland: +180% since January 2000 — 21783 ran behind it by 4 points.

Owning the typical home costs about $2,425 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,065 a month.

Price divided by a year's rent: 29.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In February 2022 the typical home in 21711 was worth $312,314.

Values peaked at $351,528 in August 2026. The latest reading is the peak.

As of August 2026: $351,528, +3.4% over twelve months.

Start with the typical home: $351,528. Put 20% down and borrow $281,222 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,947 a month in principal and interest.

The median household here earns $91,083 a year, $7,590 a month. So the payment takes 25.7% 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 22.8% in 2022.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in February 2022 (3.76%) the payment was $1,159.

In February 2022, with rates at 3.76%, it was $1,159.

By August 2026, at 6.67%, it was $1,809 — +56% since February 2022, while the home's value moved +13%.

Reported values rose +13% since February 2022.

General prices (CPI-U) rose +17% over the same span.

Divide one by the other: in August 2026 dollars, the 2022 home was worth $366,797. So the real change is −4%, not +13%.

21711: +13% since February 2022.

Washington County: +16% since February 2022.

Maryland: +11% since February 2022 — 21711 ran ahead of it by 2 points.

Owning the typical home costs about $2,299 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: 25.5. 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 10 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 25.

Going out — closed sales: about 10 a month.

The ladder: homes for sale ÷ monthly sales = 2.6 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 1 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 10 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 8 — so sales ran at 125% of it, and below it in 15 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).

Homes sold: about 0 a month in July 2026 (Redfin).

The 2015–2019 level for the same month was 0 — so sales ran at NaN% of it, and below it in 1 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: 25 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: 1 in May 2026.

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