21286 — Baltimore County, Maryland Market Snapshot
Housing market data for zip code 21286 in Baltimore County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
40 sales in 2026 (year to date)
Median Sale Price
$552,500
Days to Sell
24
Homes Sold
40
Inventory
17
Sale-to-List
102.6%
New Listings
47
Price/SqFt
$227
Pending Sales
46
Conforming Loan Available
Most homebuyers in 21286 can comfortably use conventional financing. The median home price of $552,500 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 21286 are moving quickly at 24 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 21286 are selling 2.6% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 21286 can comfortably use conventional financing. The median home price of $552,500 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 21286 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 21286
To purchase the median home at $552,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,383.
Monthly Payment
$4,383
Income Required
$187,846
Principal & Interest
$3,404/mo
Down Payment (5%)
$27,625
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 21286.
Estimated Monthly Payment
$3,569
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