21131 — Baltimore County, Maryland Market Snapshot
Housing market data for zip code 21131 in Baltimore County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$961,800
Days to Sell
24
Homes Sold
23
Inventory
24
Sale-to-List
102.4%
New Listings
49
Price/SqFt
$255
Pending Sales
36
Jumbo Loan Likely Needed
The median home in 21131 at $961,800 exceeds the 2026 conforming loan limit of $832,750 by $129,050. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 21131 are moving quickly at 24 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 21131 are selling 2.4% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 21131 at $961,800 exceeds the 2026 conforming loan limit of $832,750 by $129,050. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 21131 are set at the county level.
2026 Loan Limits — Baltimore 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 21131
To purchase the median home at $961,800 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,519.
Monthly Payment
$7,519
Income Required
$322,243
Principal & Interest
$5,926/mo
Down Payment (5%)
$48,090
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 21131.
Estimated Monthly Payment
$6,102
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