21643 — Dorchester County, Maryland Market Snapshot
Housing market data for zip code 21643 in Dorchester County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$352,500
Days to Sell
133
Homes Sold
20
Inventory
30
Sale-to-List
102.2%
New Listings
32
Price/SqFt
$188
Pending Sales
32
Conforming Loan Available
Most homebuyers in 21643 can comfortably use conventional financing. The median home price of $352,500 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
With homes sitting for 133 days on average, 21643 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes in 21643 are selling 2.2% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 21643 can comfortably use conventional financing. The median home price of $352,500 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 21643 are set at the county level.
2026 Loan Limits — Dorchester County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 21643
To purchase the median home at $352,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,851.
Monthly Payment
$2,851
Income Required
$122,175
Principal & Interest
$2,172/mo
Down Payment (5%)
$17,625
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 21643.
Estimated Monthly Payment
$2,332
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