ZIP 21915 vs ZIP 21904

21915 is one of 15 ZIP codes that lie mostly in Cecil County, MD.

Shaded by typical home value, it ranks 3 of the 13 with a value.

3 school locations in 21915: 1 elementary, 1 middle, 1 high.

In alphabetical order: Bohemia Manor High, Bohemia Manor Middle, Chesapeake City Elementary. Locations only — no ratings are shown here.

21904 is one of 15 ZIP codes that lie mostly in Cecil County, MD.

Shaded by typical home value, it ranks 4 of the 13 with a value.

1 school location in 21904: 1 elementary.

In alphabetical order: Bainbridge Elementary. Locations only — no ratings are shown here.

In January 2000 the typical home in 21915 was worth $152,099.

Values peaked at $411,598 in July 2026. The latest reading is −0.1% from that peak.

As of August 2026: $411,223, +1.0% over twelve months.

Start with the typical home: $411,223. Put 20% down and borrow $328,978 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,278 a month in principal and interest.

The median household here earns $97,794 a year, $8,150 a month. So the payment takes 27.9% 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 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 $911.

In December 2020, with rates at 2.68%, it was $1,007.

By August 2026, at 6.67%, it was $2,116 — +110% since December 2020, while the home's value moved +32%.

Reported values rose +170% 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 $300,183. So the real change is +37%, not +170%.

21915: +170% since January 2000.

Cecil County: +161% since January 2000.

Maryland: +180% since January 2000 — 21915 ran behind it by 10 points.

Owning the typical home costs about $2,689 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $925 a month.

Price divided by a year's rent: 37.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21904 was worth $153,438.

Values peaked at $404,894 in August 2026. The latest reading is the peak.

As of August 2026: $404,894, +1.9% over twelve months.

Start with the typical home: $404,894. Put 20% down and borrow $323,915 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,243 a month in principal and interest.

The median household here earns $84,375 a year, $7,031 a month. So the payment takes 31.9% 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 12.1% 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 $919.

In December 2020, with rates at 2.68%, it was $985.

By August 2026, at 6.67%, it was $2,083 — +111% since December 2020, while the home's value moved +33%.

Reported values rose +164% 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 $302,826. So the real change is +34%, not +164%.

21904: +164% since January 2000.

Cecil County: +161% since January 2000.

Maryland: +180% since January 2000 — 21904 ran behind it by 17 points.

Owning the typical home costs about $2,648 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,158 a month.

Price divided by a year's rent: 29.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 2 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 4 — so sales ran at 50% 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).

Homes sold: about 5 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 6 — so sales ran at 83% 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: 10 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: 16 in June 2026.

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