21204 — Baltimore County, Maryland Market Snapshot
Housing market data for zip code 21204 in Baltimore County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
31 sales in 2026 (year to date)
Median Sale Price
$750,000
Days to Sell
15
Homes Sold
31
Inventory
18
Sale-to-List
100.7%
New Listings
43
Price/SqFt
$290
Pending Sales
41
Conforming Loan Available
The median home in 21204 at $750,000 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
Homes in 21204 are moving quickly at 15 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 21204 (100.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 21204 at $750,000 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 21204 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 21204
To purchase the median home at $750,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,896.
Monthly Payment
$5,896
Income Required
$252,697
Principal & Interest
$4,621/mo
Down Payment (5%)
$37,500
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 21204.
Estimated Monthly Payment
$4,792
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