21221 — Baltimore County, Maryland Market Snapshot
Housing market data for zip code 21221 in Baltimore County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
55 sales in 2026 (year to date)
Median Sale Price
$332,000
Days to Sell
33
Homes Sold
55
Inventory
57
Sale-to-List
99.4%
New Listings
86
Price/SqFt
$203
Pending Sales
70
Conforming Loan Available
Most homebuyers in 21221 can comfortably use conventional financing. The median home price of $332,000 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
21221's market is balanced with homes taking an average of 33 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 21221 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21221 can comfortably use conventional financing. The median home price of $332,000 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 21221 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 21221
To purchase the median home at $332,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,694.
Monthly Payment
$2,694
Income Required
$115,443
Principal & Interest
$2,046/mo
Down Payment (5%)
$16,600
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 21221.
Estimated Monthly Payment
$2,205
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