The story of this market
The typical home in ZIP 21634 sells for about $425,000, or $215 per square foot.
Prices are up +2.4% from a year ago, so sellers still have some momentum. Homes take about 48 days to sell. HUD's fair market rent for a two-bedroom is $1,850 a month.
ZIP 21634 — Fishing Creek
The housing market in 21634 remains stable with modest price appreciation and balanced inventory levels. Demand is supported by the area's appeal to long-term residents and retirees, keeping the market resilient despite broader economic fluctuations.
This ZIP is well-suited for families and professionals seeking a suburban lifestyle with reasonable access to regional employment centers and a quiet residential environment.
Median prices moved up 2.4% year over year.
Homes spend a median of 48 days on market with 4.2 months of supply — a fast-moving market.
19% of listings have cut prices · homes sell at 98.2% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.4% · poverty 8.0% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 3.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 3.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 21634, Talbot County MD
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in this area are generally lower than the national average, with property crime being the primary concern. Local law enforcement reports stable trends consistent with regional patterns.
Schools serving this ZIP are part of the local district and generally maintain average to above-average performance ratings based on state assessments.
The area is subject to standard regional flood and wind risks; property insurance premiums are influenced by proximity to coastal or low-lying zones.
Economic momentum is driven by proximity to regional employment hubs and steady residential development, though large-scale industrial growth is limited.
Property taxes are assessed at the county level based on fair market value, with rates determined by local school district, municipal, and county levies.
Residents primarily commute by car to nearby employment centers, with average commute times reflecting typical suburban traffic patterns.
The area features local community parks, access to nearby water-based recreation, and small-scale retail centers within a short drive.
The rental market is characterized by stable demand and low vacancy rates, with limited inventory of multi-family units.
The local economy is supported by tourism, maritime services, and small-scale professional services.
Transportation is heavily reliant on personal vehicles, with major highway corridors providing access to regional hubs.
Development is strictly managed to preserve the historic and rural character of the region.
The county appraisal district conducts periodic assessments to ensure property values align with market trends.
Parcels are subject to standard county and municipal tax districts, with no major MUD/PID developments reported.
Property insurance remains stable, though premiums are sensitive to regional weather-related risk assessments.
The state continues to see moderate net domestic migration, driven by regional economic shifts.
The state follows a judicial foreclosure process, requiring court intervention for property repossession.
Sellers are required to provide a comprehensive disclosure statement regarding the condition of the property at the time of sale.
Data retrieved from data.census.gov using ZCTA 21634 profile.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Historic harbor area with dining and boating access.
Provides extensive recreational boating and fishing opportunities.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.