ZIP 21911 vs ZIP 21901

21911 is one of 15 ZIP codes that lie mostly in Cecil County, MD.

Shaded by typical home value, it ranks 6 of the 13 with a value.

3 school locations in 21911: 2 elementary, 1 middle.

In alphabetical order: Calvert Elementary, Rising Sun Elementary, Rising Sun Middle School. Locations only — no ratings are shown here.

21901 is one of 15 ZIP codes that lie mostly in Cecil County, MD.

Shaded by typical home value, it ranks 7 of the 13 with a value.

5 school locations in 21901: 2 elementary, 1 middle, 2 high.

In alphabetical order: Bay View Elementary, North East Elementary, North East High, North East Middle, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 21911 was worth $141,400.

Values peaked at $399,969 in August 2026. The latest reading is the peak.

As of August 2026: $399,969, +2.6% over twelve months.

Start with the typical home: $399,969. Put 20% down and borrow $319,975 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,215 a month in principal and interest.

The median household here earns $100,401 a year, $8,367 a month. So the payment takes 26.5% 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 9.4% 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 $847.

In December 2020, with rates at 2.68%, it was $949.

By August 2026, at 6.67%, it was $2,058 — +117% since December 2020, while the home's value moved +36%.

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 $279,067. So the real change is +43%, not +183%.

21911: +183% since January 2000.

Cecil County: +161% since January 2000.

Maryland: +180% since January 2000 — 21911 ran ahead of it by 3 points.

Owning the typical home costs about $2,615 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,172 a month.

Price divided by a year's rent: 28.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21901 was worth $161,180.

Values peaked at $394,937 in July 2025. The latest reading is −0.2% from that peak.

As of August 2026: $394,079, −0.1% over twelve months.

Start with the typical home: $394,079. Put 20% down and borrow $315,263 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,183 a month in principal and interest.

The median household here earns $113,107 a year, $9,426 a month. So the payment takes 23.2% 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 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 $965.

In December 2020, with rates at 2.68%, it was $971.

By August 2026, at 6.67%, it was $2,027 — +109% since December 2020, while the home's value moved +31%.

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 $318,105. So the real change is +24%, not +144%.

21901: +145% since January 2000.

Cecil County: +161% since January 2000.

Maryland: +180% since January 2000 — 21901 ran behind it by 36 points.

Owning the typical home costs about $2,577 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,845 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 7 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 9 — so sales ran at 78% of it, and below it in 20 of the last 24 months.

Across Cecil County, builders pulled permits for 142 new homes in 2025.

Of those, 100% 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 23 a month (Redfin, 3-month rolling data through August 2026). That is 70% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 52.

Going out — closed sales: about 27 a month. That is 104% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.0 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 4 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 27 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 24 — so sales ran at 113% of it, and below it in 17 of the last 24 months.

Across Cecil County, builders pulled permits for 142 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 Cecil County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,622 moved in. Among the ten receiving the most, 1,392 moved out.

Net across those counties: +230 households. Beside it, homes for sale in this ZIP: 11 in June 2026.

Most arrivals came from New Castle, DE (643 households); most departures went to New Castle, DE (533).

This ZIP sits in Cecil County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,622 moved in. Among the ten receiving the most, 1,392 moved out.

Net across those counties: +230 households. Beside it, homes for sale in this ZIP: 52 in June 2026.

Most arrivals came from New Castle, DE (643 households); most departures went to New Castle, DE (533).