ZIP Code 21830 Housing Market
ZIP code 21830 is located in Wicomico County, Maryland. Based on the FHFA House Price Index, the most recent annual HPI value is 274.6 (2000 = 100) , with a year-over-year change of +9.50% as of 2025.
📈 21830 HPI Trend
FHFA House Price Index for Five-Digit ZIP Codes (2000 = 100)
📝 Local Market Notes
The housing market in ZIP code 21830 within Wicomico County, Maryland, demonstrates a robust and accelerating price trajectory over the last five years. The Home Price Index (HPI) has risen from 198.79 in 2021 to 274.58 in 2025, representing a significant cumulative appreciation of approximately 38%. Although a minor correction occurred in 2024, dropping to 250.75, the market rebounded sharply in 2025. This recent surge indicates sustained demand that has outpaced broader regional trends, suggesting that specific local factors are driving value growth in this particular sub-market. ZIP 21830 exhibits a notable divergence from both its county and state counterparts. The ZIP code recorded a year-over-year increase of 9.50%, which substantially exceeds the Wicomico County average of 5.70% and the Maryland state average of 0.95%. This outperformance signals that 21830 is functioning as a distinct premium sub-market rather than merely tracking general economic conditions. While the parent county’s median home value stands at $254,700 and the median household income is $76,210, the high HPI level in 21830 suggests that properties here command a premium relative to the broader county average. The area’s 62.3% owner-occupancy rate further supports the characterization of a stable, established residential community rather than a transient or renter-heavy zone. For prospective buyers, the data indicates that ZIP 21830 is an appreciating asset within Wicomico County. With a 30-year mortgage rate at 7.40%, the high entry price point necessitates careful financial planning, as the 9.50% annual growth rate may outpace typical income increases. Residents should recognize that this sub-market is decoupling from the slower state-wide trends, positioning it as a high-growth area within the region. The combination of strong historical appreciation and current outperformance suggests that 21830 remains a focal point for housing demand in Maryland’s Eastern Shore.
About This ZIP Code
ZIP code 21830 is one of the most active real estate sub-markets in Wicomico County, Maryland. The FHFA House Price Index tracks cumulative price appreciation since 2000, providing a consistent measure of long-term value change in this specific ZIP area.
For full county-level context, see the Wicomico County Housing Market page, which includes ACS median home values, rent, owner-occupancy, employment, migration, and other economic indicators.
Other Active ZIPs in Wicomico County
| ZIP Code | HPI | YoY | Latest Year |
|---|---|---|---|
| 21875 | 267.1 | — | 2025 |
| 21849 | 269.6 | +3.80% | 2025 |
| 21804 | 269.3 | +5.31% | 2025 |
| 21801 | 252.6 | +7.55% | 2025 |
| 21826 | 238.3 | +7.56% | 2025 |
Data Source: FHFA House Price Index for Five-Digit ZIP Codes (All-Transactions Index, 2000 = 100). Data as of 2025. This product uses FHFA Data but is neither endorsed nor certified by FHFA.