21797 — Carroll County, Maryland Market Snapshot
Housing market data for zip code 21797 in Carroll County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$860,000
Days to Sell
28
Homes Sold
26
Inventory
13
Sale-to-List
100.3%
New Listings
32
Price/SqFt
$251
Pending Sales
29
Jumbo Loan Likely Needed
The median home in 21797 at $860,000 exceeds the 2026 conforming loan limit of $832,750 by $27,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 21797 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 21797 (100.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 21797 at $860,000 exceeds the 2026 conforming loan limit of $832,750 by $27,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 21797 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 21797
To purchase the median home at $860,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,739.
Monthly Payment
$6,739
Income Required
$288,816
Principal & Interest
$5,299/mo
Down Payment (5%)
$43,000
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 21797.
Estimated Monthly Payment
$5,472
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