21012 — Anne Arundel County, Maryland Market Snapshot
Housing market data for zip code 21012 in Anne Arundel County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
53 sales in 2026 (year to date)
Median Sale Price
$700,000
Days to Sell
16
Homes Sold
53
Inventory
35
Sale-to-List
100.9%
New Listings
71
Price/SqFt
$306
Pending Sales
74
Conforming Loan Available
The median home in 21012 at $700,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 21012 are moving quickly at 16 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 21012 (100.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 21012 at $700,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 21012 are set at the county level.
2026 Loan Limits — Anne Arundel County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $747,500 |
| 2 Units | $1,066,250 | $956,950 |
| 3 Units | $1,288,800 | $1,156,700 |
| 4 Units | $1,601,750 | $1,437,500 |
Affordability Snapshot — Zip 21012
To purchase the median home at $700,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,513.
Monthly Payment
$5,513
Income Required
$236,279
Principal & Interest
$4,313/mo
Down Payment (5%)
$35,000
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 21012.
Estimated Monthly Payment
$4,482
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