21201 — Baltimore city, Maryland Market Snapshot
Housing market data for zip code 21201 in Baltimore city, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$305,000
Days to Sell
40
Homes Sold
11
Inventory
22
Sale-to-List
95.7%
New Listings
24
Price/SqFt
$161
Pending Sales
15
Conforming Loan Available
Most homebuyers in 21201 can comfortably use conventional financing. The median home price of $305,000 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
21201's market is balanced with homes taking an average of 40 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 21201 sells for 4.3% below asking price (95.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 21201 can comfortably use conventional financing. The median home price of $305,000 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 21201 are set at the county level.
2026 Loan Limits — Baltimore city
| 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 21201
To purchase the median home at $305,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,487.
Monthly Payment
$2,487
Income Required
$106,578
Principal & Interest
$1,879/mo
Down Payment (5%)
$15,250
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 21201.
Estimated Monthly Payment
$2,038
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