21210 — Baltimore County, Maryland Market Snapshot
Housing market data for zip code 21210 in Baltimore County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$270,400
Days to Sell
42
Homes Sold
14
Inventory
10
Sale-to-List
99.8%
New Listings
17
Price/SqFt
$197
Pending Sales
15
Conforming Loan Available
Most homebuyers in 21210 can comfortably use conventional financing. The median home price of $270,400 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
21210's market is balanced with homes taking an average of 42 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 21210 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21210 can comfortably use conventional financing. The median home price of $270,400 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 21210 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 21210
To purchase the median home at $270,400 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,222.
Monthly Payment
$2,222
Income Required
$95,217
Principal & Interest
$1,666/mo
Down Payment (5%)
$13,520
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 21210.
Estimated Monthly Payment
$1,823
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