21214 — Baltimore city, Maryland Market Snapshot
Housing market data for zip code 21214 in Baltimore city, Maryland. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 7 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Baltimore city county page for broader data.
Market Sales Data
7 sales in 2026 (year to date)
Median Sale Price
$226,650
Days to Sell
56
Homes Sold
7
Inventory
12
Conforming Loan Available
Most homebuyers in 21214 can comfortably use conventional financing. The median home price of $226,650 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
21214's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 21214 can comfortably use conventional financing. The median home price of $226,650 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 21214 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 21214
To purchase the median home at $226,650 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,887.
Monthly Payment
$1,887
Income Required
$80,851
Principal & Interest
$1,397/mo
Down Payment (5%)
$11,333
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 21214.
Estimated Monthly Payment
$1,553
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