ZIP 21795 vs ZIP 21740

21795 is one of 18 ZIP codes that lie mostly in Washington County, MD.

Shaded by typical home value, it ranks 10 of the 15 with a value.

4 school locations in 21795: 2 elementary, 1 middle, 1 high.

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

21740 is one of 18 ZIP codes that lie mostly in Washington County, MD.

Shaded by typical home value, it ranks 11 of the 15 with a value.

16 school locations in 21740: 8 elementary, 2 middle, 5 high, 1 other.

In alphabetical order: Barbara Ingram School for the Arts, Bester Elementary, Boyd J. Michael III Technical High School, Emma K. Doub Elementary, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 21795 was worth $143,949.

Values peaked at $344,044 in February 2026. The latest reading is −0.5% from that peak.

As of August 2026: $342,257, +1.0% over twelve months.

Start with the typical home: $342,257. Put 20% down and borrow $273,806 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,896 a month in principal and interest.

The median household here earns $83,542 a year, $6,962 a month. So the payment takes 27.2% 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 11.5% 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 $862.

In December 2020, with rates at 2.68%, it was $842.

By August 2026, at 6.67%, it was $1,761 — +109% since December 2020, while the home's value moved +32%.

Reported values rose +138% 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 $284,098. So the real change is +20%, not +138%.

21795: +138% since January 2000.

Washington County: +155% since January 2000.

Maryland: +180% since January 2000 — 21795 ran behind it by 43 points.

Owning the typical home costs about $2,238 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,077 a month.

Price divided by a year's rent: 26.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21740 was worth $107,010.

Values peaked at $290,812 in April 2026. The latest reading is −0.3% from that peak.

As of August 2026: $289,970, +0.2% over twelve months.

Start with the typical home: $289,970. Put 20% down and borrow $231,976 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,606 a month in principal and interest.

The median household here earns $59,410 a year, $4,951 a month. So the payment takes 32.4% 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 12.0% 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 $641.

In December 2020, with rates at 2.68%, it was $672.

By August 2026, at 6.67%, it was $1,492 — +122% since December 2020, while the home's value moved +40%.

Reported values rose +171% 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 $211,195. So the real change is +37%, not +171%.

21740: +171% since January 2000.

Washington County: +155% since January 2000.

Maryland: +180% since January 2000 — 21740 ran behind it by 9 points.

Owning the typical home costs about $1,896 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,343 a month.

Price divided by a year's rent: 18.0. 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: 27.

Going out — closed sales: about 8 a month.

The ladder: homes for sale ÷ monthly sales = 3.2 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 2 more homes came on than sold each month, so inventory is growing. The basin is filling.

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 7 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 107 a month (Redfin, 3-month rolling data through August 2026). That is 104% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 257. That is 91% of the 2015–2019 level for the same months.

Going out — closed sales: about 73 a month. That is 86% of the 2015–2019 level for the same months. The drain is drawn 6% narrower: the share of homes for sale that sell each month is 94% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.5 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 34 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 73 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 76 — so sales ran at 96% of it, and below it in 23 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: 27 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: 257 in June 2026.

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