21213 — Baltimore city, Maryland Market Snapshot
Housing market data for zip code 21213 in Baltimore city, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
110 sales in 2026 (year to date)
Median Sale Price
$126,500
Days to Sell
66
Homes Sold
110
Inventory
226
Sale-to-List
100.6%
New Listings
224
Price/SqFt
$115
Pending Sales
141
Conforming Loan Available
Most homebuyers in 21213 can comfortably use conventional financing. The median home price of $126,500 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
With homes sitting for 66 days on average, 21213 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 21213 (100.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21213 can comfortably use conventional financing. The median home price of $126,500 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 21213 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 21213
To purchase the median home at $126,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,119.
Monthly Payment
$1,119
Income Required
$47,966
Principal & Interest
$779/mo
Down Payment (5%)
$6,325
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 21213.
Estimated Monthly Payment
$933
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