Lotvox market story · compare
ZIP 21918 vs ZIP 21911
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Who's going to sell
Turnover Index not published for 21918 yet.
Where
21918 in Cecil County, MD
21918 is one of 15 ZIP codes that lie mostly in Cecil County, MD.
Shaded by typical home value, it ranks 5 of the 13 with a value.
- Value rank in county
- 5 of 13
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 21918
1 school location in 21918: 1 elementary.
In alphabetical order: Conowingo Elementary. Locations only — no ratings are shown here.
- School locations
- 1
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
Turnover Index not published for 21911 yet.
Where
21911 in Cecil County, MD
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.
- Value rank in county
- 6 of 13
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 21911
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.
- School locations
- 3
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
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What it costs
Home values
What homes are worth in 21918
In January 2000 the typical home in 21918 was worth $143,944.
Values peaked at $401,666 in August 2026. The latest reading is the peak.
As of August 2026: $401,666, +2.2% over twelve months.
- Typical home value
- $401,666
- 12-month change
- +2.2%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $401,666. Put 20% down and borrow $321,333 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $2,225 a month in principal and interest.
The median household here earns $81,026 a year, $6,752 a month. So the payment takes 33.0% 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 11.8% in 2000.
- Payment share of income
- 33.0%
- Monthly P&I
- $2,225
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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 $965.
By August 2026, at 6.67%, it was $2,066 — +114% since December 2020, while the home's value moved +35%.
- Payment change since 2020
- +114%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +179% 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 $284,088. So the real change is +41%, not +179%.
- Real change since 2000
- +41%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
21918 against its neighbors
21918: +179% since January 2000.
Cecil County: +161% since January 2000.
Maryland: +180% since January 2000 — 21918 ran behind it by 1 points.
- Change since 2000
- +179%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $2,627 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $953 a month.
Price divided by a year's rent: 35.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 35.1
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
Home values
What homes are worth in 21911
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.
- Typical home value
- $399,969
- 12-month change
- +2.6%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
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.
- Payment share of income
- 26.5%
- Monthly P&I
- $2,215
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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%.
- Payment change since 2020
- +117%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
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%.
- Real change since 2000
- +43%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
21911 against its neighbors
21911: +183% since January 2000.
Cecil County: +161% since January 2000.
Maryland: +180% since January 2000 — 21911 ran ahead of it by 3 points.
- Change since 2000
- +183%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
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.
- Price-to-rent
- 28.4
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
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What's moving
Housing pulse
Sales pace vs. normal
Homes sold: about 2 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 5 — so sales ran at 40% of it, and below it in 13 of the last 24 months.
- Sales vs 2015–19 level
- 40%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
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).
- Units permitted 2025
- 142
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
Housing pulse
Sales pace vs. normal
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.
- Sales vs 2015–19 level
- 78%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
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).
- Units permitted 2025
- 142
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
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Who's holding, who's leaving
Housing pulse
Migration and inventory
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).
- Net households (top-10 flows)
- +230
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01
Housing pulse
Migration and inventory
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).
- Net households (top-10 flows)
- +230
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01