ZIP 21784 vs ZIP 21776

21784 is one of 9 ZIP codes that lie mostly in Carroll County, MD — 82% of its own area is in the county.

Shaded by typical home value, it ranks 2 of the 9 with a value.

11 school locations in 21784: 6 elementary, 2 middle, 3 high.

In alphabetical order: Carrolltowne Elementary, Century High, Eldersburg Elementary, Freedom District Elementary, and more on the ZIP page. Locations only — no ratings are shown here.

21776 is one of 9 ZIP codes that lie mostly in Carroll County, MD — 79% of its own area is in the county.

Shaded by typical home value, it ranks 3 of the 9 with a value.

In January 2000 the typical home in 21784 was worth $192,271.

Values peaked at $560,198 in August 2026. The latest reading is the peak.

As of August 2026: $560,198, +0.7% over twelve months.

Start with the typical home: $560,198. Put 20% down and borrow $448,158 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,103 a month in principal and interest.

The median household here earns $141,228 a year, $11,769 a month. So the payment takes 26.4% 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 9.0% 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 $1,151.

In December 2020, with rates at 2.68%, it was $1,446.

By August 2026, at 6.67%, it was $2,882 — +99% since December 2020, while the home's value moved +25%.

Reported values rose +191% 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 $379,467. So the real change is +48%, not +191%.

21784: +191% since January 2000.

Carroll County: +187% since January 2000.

Maryland: +180% since January 2000 — 21784 ran ahead of it by 11 points.

Owning the typical home costs about $3,663 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,145 a month.

Price divided by a year's rent: 21.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21776 was worth $176,128.

Values peaked at $487,322 in July 2026. The latest reading is −0.1% from that peak.

As of August 2026: $486,750, +1.3% over twelve months.

Start with the typical home: $486,750. Put 20% down and borrow $389,400 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,696 a month in principal and interest.

The median household here earns $111,923 a year, $9,327 a month. So the payment takes 28.9% 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 10.5% 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 $1,055.

In December 2020, with rates at 2.68%, it was $1,256.

By August 2026, at 6.67%, it was $2,504 — +99% since December 2020, while the home's value moved +25%.

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 $347,607. So the real change is +40%, not +176%.

21776: +176% since January 2000.

Carroll County: +187% since January 2000.

Maryland: +180% since January 2000 — 21776 ran behind it by 4 points.

Owning the typical home costs about $3,183 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,336 a month.

Price divided by a year's rent: 30.4. 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 53 a month (Redfin, 3-month rolling data through August 2026). That is 86% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 72. That is 48% of the 2015–2019 level for the same months.

Going out — closed sales: about 59 a month. That is 97% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 1.2 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 6 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 59 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 51 — so sales ran at 116% of it, and below it in 14 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).

Homes sold: about 8 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 8 — so sales ran at 100% of it, and below it in 14 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: 72 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: 20 in June 2026.

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