ZIP 21921 vs ZIP 21903

21921 is one of 15 ZIP codes that lie mostly in Cecil County, MD.

Shaded by typical home value, it ranks 9 of the 13 with a value.

11 school locations in 21921: 7 elementary, 2 middle, 1 high, 1 other.

In alphabetical order: Cecil County School of Technology, Cecil Manor Elementary, Cherry Hill Middle, Elk Neck Elementary, and more on the ZIP page. Locations only — no ratings are shown here.

21903 is one of 15 ZIP codes that lie mostly in Cecil County, MD.

Shaded by typical home value, it ranks 10 of the 13 with a value.

3 school locations in 21903: 1 elementary, 1 middle, 1 high.

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

In January 2000 the typical home in 21921 was worth $141,587.

Values peaked at $374,134 in August 2026. The latest reading is the peak.

As of August 2026: $374,134, +1.6% over twelve months.

Start with the typical home: $374,134. Put 20% down and borrow $299,307 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,072 a month in principal and interest.

The median household here earns $84,608 a year, $7,051 a month. So the payment takes 29.4% 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 11.1% 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 $848.

In December 2020, with rates at 2.68%, it was $908.

By August 2026, at 6.67%, it was $1,925 — +112% 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 $279,437. So the real change is +34%, not +164%.

21921: +164% since January 2000.

Cecil County: +161% since January 2000.

Maryland: +180% since January 2000 — 21921 ran behind it by 16 points.

Owning the typical home costs about $2,446 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,930 a month.

Price divided by a year's rent: 16.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 21903 was worth $150,589.

Values peaked at $350,263 in August 2026. The latest reading is the peak.

As of August 2026: $350,263, +0.8% over twelve months.

Start with the typical home: $350,263. Put 20% down and borrow $280,210 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,940 a month in principal and interest.

The median household here earns $77,500 a year, $6,458 a month. So the payment takes 30.0% 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 12.9% 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 $902.

In December 2020, with rates at 2.68%, it was $856.

By August 2026, at 6.67%, it was $1,802 — +111% since December 2020, while the home's value moved +33%.

Reported values rose +133% 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 $297,203. So the real change is +18%, not +133%.

21903: +133% since January 2000.

Cecil County: +161% since January 2000.

Maryland: +180% since January 2000 — 21903 ran behind it by 48 points.

Owning the typical home costs about $2,290 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,056 a month.

Price divided by a year's rent: 27.6. 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 58 a month (Redfin, 3-month rolling data through August 2026). That is 87% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 121. That is 61% of the 2015–2019 level for the same months.

Going out — closed sales: about 43 a month. That is 73% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.8 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 15 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 43 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 53 — so sales ran at 81% of it, and below it in 19 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 9 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 11 — so sales ran at 82% of it, and below it in 22 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: 121 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: 19 in June 2026.

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