ZIP 21919

21919 is one of 15 ZIP codes that lie mostly in Cecil County, MD.

Shaded by typical home value, it ranks 8 of the 13 with a value.

In January 2000 the typical home in 21919 was worth $160,207.

Values peaked at $380,358 in August 2026. The latest reading is the peak.

As of August 2026: $380,358, +1.9% over twelve months.

Start with the typical home: $380,358. Put 20% down and borrow $304,286 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,107 a month in principal and interest.

The median household here earns $115,152 a year, $9,596 a month. So the payment takes 22.0% 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 9.2% 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 $959.

In December 2020, with rates at 2.68%, it was $993.

By August 2026, at 6.67%, it was $1,957 — +97% since December 2020, while the home's value moved +24%.

Reported values rose +137% 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 $316,185. So the real change is +20%, not +137%.

21919: +137% since January 2000.

Cecil County: +161% since January 2000.

Maryland: +180% since January 2000 — 21919 ran behind it by 43 points.

Owning the typical home costs about $2,487 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,591 a month.

Price divided by a year's rent: 19.9. 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 5 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 28.

Going out — closed sales: about 7 a month.

The ladder: homes for sale ÷ monthly sales = 3.8 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 2 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 7 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 6 — so sales ran at 117% of it, and below it in 12 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: 28 in June 2026.

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