21222 — Baltimore County, Maryland Market Snapshot
Housing market data for zip code 21222 in Baltimore County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
157 sales in 2026 (year to date)
Median Sale Price
$235,000
Days to Sell
31
Homes Sold
157
Inventory
135
Sale-to-List
98.9%
New Listings
247
Price/SqFt
$177
Pending Sales
193
Conforming Loan Available
Most homebuyers in 21222 can comfortably use conventional financing. The median home price of $235,000 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
21222's market is balanced with homes taking an average of 31 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 21222 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21222 can comfortably use conventional financing. The median home price of $235,000 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 21222 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 21222
To purchase the median home at $235,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,951.
Monthly Payment
$1,951
Income Required
$83,593
Principal & Interest
$1,448/mo
Down Payment (5%)
$11,750
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 21222.
Estimated Monthly Payment
$1,604
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