21409 — Anne Arundel County, Maryland Market Snapshot
Housing market data for zip code 21409 in Anne Arundel County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
47 sales in 2026 (year to date)
Median Sale Price
$678,000
Days to Sell
31
Homes Sold
47
Inventory
29
Sale-to-List
100.1%
New Listings
68
Price/SqFt
$309
Pending Sales
56
Conforming Loan Available
The median home in 21409 at $678,000 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
21409's market is balanced with homes taking an average of 31 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 21409 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 21409 at $678,000 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 21409 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 21409
To purchase the median home at $678,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,345.
Monthly Payment
$5,345
Income Required
$229,055
Principal & Interest
$4,178/mo
Down Payment (5%)
$33,900
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 21409.
Estimated Monthly Payment
$4,346
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 21409. Tell us what you're looking for.