21401 — Anne Arundel County, Maryland Market Snapshot
Housing market data for zip code 21401 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
$363,750
Days to Sell
59
Homes Sold
36
Inventory
29
Sale-to-List
97.8%
New Listings
45
Price/SqFt
$304
Pending Sales
39
Conforming Loan Available
Most homebuyers in 21401 can comfortably use conventional financing. The median home price of $363,750 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
21401's market is balanced with homes taking an average of 59 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 21401 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 21401 can comfortably use conventional financing. The median home price of $363,750 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 21401 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 21401
To purchase the median home at $363,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,937.
Monthly Payment
$2,937
Income Required
$125,869
Principal & Interest
$2,241/mo
Down Payment (5%)
$18,188
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 21401.
Estimated Monthly Payment
$2,401
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