21918 — Cecil County, Maryland Market Snapshot
Housing market data for zip code 21918 in Cecil County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$342,300
Days to Sell
29
Homes Sold
13
Inventory
11
Sale-to-List
98.3%
New Listings
14
Price/SqFt
$221
Pending Sales
16
Conforming Loan Available
Most homebuyers in 21918 can comfortably use conventional financing. The median home price of $342,300 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 21918 are moving quickly at 29 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 21918 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21918 can comfortably use conventional financing. The median home price of $342,300 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 21918 are set at the county level.
2026 Loan Limits — Cecil County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $630,200 |
| 2 Units | $1,066,250 | $806,750 |
| 3 Units | $1,288,800 | $975,200 |
| 4 Units | $1,601,750 | $1,211,950 |
Affordability Snapshot — Zip 21918
To purchase the median home at $342,300 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,773.
Monthly Payment
$2,773
Income Required
$118,825
Principal & Interest
$2,109/mo
Down Payment (5%)
$17,115
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 21918.
Estimated Monthly Payment
$2,268
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