21776 — Carroll County, Maryland Market Snapshot
Housing market data for zip code 21776 in Carroll County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$474,900
Days to Sell
30
Homes Sold
21
Inventory
21
Sale-to-List
102.6%
New Listings
37
Price/SqFt
$231
Pending Sales
24
Conforming Loan Available
Most homebuyers in 21776 can comfortably use conventional financing. The median home price of $474,900 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
21776's market is balanced with homes taking an average of 30 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 21776 are selling 2.6% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 21776 can comfortably use conventional financing. The median home price of $474,900 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 21776 are set at the county level.
2026 Loan Limits — Carroll 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 21776
To purchase the median home at $474,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,789.
Monthly Payment
$3,789
Income Required
$162,366
Principal & Interest
$2,926/mo
Down Payment (5%)
$23,745
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 21776.
Estimated Monthly Payment
$3,089
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