21237 — Baltimore County, Maryland Market Snapshot
Housing market data for zip code 21237 in Baltimore County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$317,500
Days to Sell
28
Homes Sold
30
Inventory
14
Sale-to-List
99.4%
New Listings
32
Price/SqFt
$182
Pending Sales
39
Conforming Loan Available
Most homebuyers in 21237 can comfortably use conventional financing. The median home price of $317,500 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
Homes in 21237 are moving quickly at 28 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 21237 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21237 can comfortably use conventional financing. The median home price of $317,500 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 21237 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 21237
To purchase the median home at $317,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,583.
Monthly Payment
$2,583
Income Required
$110,682
Principal & Interest
$1,956/mo
Down Payment (5%)
$15,875
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 21237.
Estimated Monthly Payment
$2,115
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