21144 — Anne Arundel County, Maryland Market Snapshot
Housing market data for zip code 21144 in Anne Arundel County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
97 sales in 2026 (year to date)
Median Sale Price
$495,000
Days to Sell
34
Homes Sold
97
Inventory
69
Sale-to-List
99.9%
New Listings
139
Price/SqFt
$224
Pending Sales
127
Conforming Loan Available
Most homebuyers in 21144 can comfortably use conventional financing. The median home price of $495,000 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
21144's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 21144 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21144 can comfortably use conventional financing. The median home price of $495,000 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 21144 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 21144
To purchase the median home at $495,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,943.
Monthly Payment
$3,943
Income Required
$168,966
Principal & Interest
$3,050/mo
Down Payment (5%)
$24,750
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 21144.
Estimated Monthly Payment
$3,213
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