ZIP 21791 vs ZIP 21701

21791 is one of 28 ZIP codes that lie mostly in Frederick County, MD — 61% of its own area is in the county.

Shaded by typical home value, it ranks 15 of the 23 with a value.

2 school locations in 21791: 1 elementary, 1 high.

In alphabetical order: Elmer A. Wolfe Elementary, Francis Scott Key High. Locations only — no ratings are shown here.

21701 is one of 28 ZIP codes that lie mostly in Frederick County, MD.

Shaded by typical home value, it ranks 16 of the 23 with a value.

13 school locations in 21701: 5 elementary, 4 middle, 3 high, 1 other.

In alphabetical order: Frederick Classical Charter, Frederick County Virtual, Frederick High, Gov. Thomas Johnson High, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 21791 was worth $154,655.

Values peaked at $447,887 in June 2026. The latest reading is −0.3% from that peak.

As of August 2026: $446,754, +1.0% over twelve months.

Start with the typical home: $446,754. Put 20% down and borrow $357,403 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,475 a month in principal and interest.

The median household here earns $90,460 a year, $7,538 a month. So the payment takes 32.8% 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 11.4% 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 $926.

In December 2020, with rates at 2.68%, it was $1,110.

By August 2026, at 6.67%, it was $2,298 — +107% since December 2020, while the home's value moved +30%.

Reported values rose +189% 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 $305,228. So the real change is +46%, not +189%.

21791: +189% since January 2000.

Frederick County: +189% since January 2000.

Maryland: +180% since January 2000 — 21791 ran ahead of it by 9 points.

Owning the typical home costs about $2,921 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,156 a month.

Price divided by a year's rent: 32.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21701 was worth $157,772.

Values peaked at $454,744 in April 2025. The latest reading is −1.8% from that peak.

As of August 2026: $446,379, −0.9% over twelve months.

Start with the typical home: $446,379. Put 20% down and borrow $357,103 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,473 a month in principal and interest.

The median household here earns $102,306 a year, $8,526 a month. So the payment takes 29.0% 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 10.3% 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 $945.

In December 2020, with rates at 2.68%, it was $1,092.

By August 2026, at 6.67%, it was $2,296 — +110% since December 2020, while the home's value moved +32%.

Reported values rose +183% 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 $311,379. So the real change is +43%, not +183%.

21701: +183% since January 2000.

Frederick County: +189% since January 2000.

Maryland: +180% since January 2000 — 21701 ran ahead of it by 3 points.

Owning the typical home costs about $2,919 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,233 a month.

Price divided by a year's rent: 16.7. 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 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).

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 86 a month (Redfin, 3-month rolling data through August 2026). That is 94% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 189. That is 99% of the 2015–2019 level for the same months.

Going out — closed sales: about 74 a month. That is 87% of the 2015–2019 level for the same months. The drain is drawn 12% narrower: the share of homes for sale that sell each month is 88% of its 2015–2019 level.

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

Homes sold: about 74 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 73 — so sales ran at 101% 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).

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: 13 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: 189 in June 2026.

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