The story of this market
The typical home in ZIP 21776 sells for about $597,450, or $245 per square foot.
Prices are up +4.2% from a year ago, so sellers still have some momentum. Homes take about 42 days to sell. HUD's fair market rent for a two-bedroom is $1,297 a month.
ZIP 21776 — New Windsor
The 21776 housing market remains stable with low inventory levels driving competitive conditions for well-priced properties. While median prices have seen moderate year-over-year growth, the market is balanced by a cautious buyer pool sensitive to interest rates and affordability. Demand remains steady for single-family homes, supported by the area's rural appeal and proximity to regional employment hubs.
This ZIP is ideal for families and individuals seeking a quiet, rural-suburban lifestyle with proximity to regional employment centers, offering a balance of space and community.
Median prices moved up 4.2% year over year.
Homes spend a median of 42 days on market with 3.8 months of supply — a fast-moving market.
12% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 7.7% · poverty 3.7% — 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 5.8%/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 5.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 21776, Carroll 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.
New Windsor and the surrounding Carroll County area generally report low crime rates, consistently ranking as one of the safer regions in Maryland compared to the Baltimore metropolitan area.
Schools serving the 21776 area are part of the Carroll County Public Schools system, which is generally well-regarded for its academic performance and stable educational environment.
The area contains pockets of flood-prone land near local streams and waterways, requiring careful site-specific due diligence for residential development.
Economic momentum is driven by a mix of local agricultural, small-business, and service-sector employment, with many residents commuting to larger employment hubs in Westminster or the Baltimore-Washington corridor.
Property taxes are assessed by Carroll County and the State of Maryland, with rates determined by the combined county and municipal levies; special district taxes may apply to specific developments.
Residents primarily rely on personal vehicles for commuting, with major routes like MD-31 providing access to Westminster and regional highway networks.
The area features access to local parks, rural trails, and community-focused recreational facilities, with larger shopping and dining options located in nearby Westminster.
The rental market is characterized by low inventory and steady demand, primarily consisting of single-family home rentals with limited multi-family supply.
The local economy is supported by a mix of agriculture, education, and small-scale manufacturing, with significant employment ties to the broader Carroll County labor market.
Transportation is heavily dependent on private vehicle use, with limited public transit options available for daily commuting.
Development is generally focused on low-density residential growth, with strict zoning controls to preserve the rural character of the area.
The Carroll County Bureau of Assessments manages property valuations, typically reassessing properties on a three-year cycle.
Parcels are subject to standard county and state tax districts, with no major MUD or PID districts reported.
Property insurance premiums are influenced by regional hazard profiles, including wind and storm risks common to the Mid-Atlantic.
Data retrieved from Census Bureau ZCTA-level tables.
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.
Features well-preserved architecture and local history.
Provides local green space and community recreational facilities.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.