21090 — Anne Arundel County, Maryland Market Snapshot
Housing market data for zip code 21090 in Anne Arundel County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
36 sales in 2026 (year to date)
Median Sale Price
$442,500
Days to Sell
15
Homes Sold
36
Inventory
21
Sale-to-List
101.4%
New Listings
51
Price/SqFt
$233
Pending Sales
46
Conforming Loan Available
Most homebuyers in 21090 can comfortably use conventional financing. The median home price of $442,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 21090 are moving quickly at 15 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 21090 (101.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21090 can comfortably use conventional financing. The median home price of $442,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 21090 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 21090
To purchase the median home at $442,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,540.
Monthly Payment
$3,540
Income Required
$151,727
Principal & Interest
$2,727/mo
Down Payment (5%)
$22,125
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 21090.
Estimated Monthly Payment
$2,889
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