21770 — Frederick County, Maryland Market Snapshot
Housing market data for zip code 21770 in Frederick County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$555,000
Days to Sell
37
Homes Sold
28
Inventory
18
Sale-to-List
100.9%
New Listings
38
Price/SqFt
$236
Pending Sales
24
Conforming Loan Available
Most homebuyers in 21770 can comfortably use conventional financing. The median home price of $555,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
21770's market is balanced with homes taking an average of 37 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 21770 (100.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21770 can comfortably use conventional financing. The median home price of $555,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 21770 are set at the county level.
2026 Loan Limits — Frederick County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,249,125 |
| 2 Units | $1,599,375 | $1,599,375 |
| 3 Units | $1,933,200 | $1,933,200 |
| 4 Units | $2,402,625 | $2,402,625 |
Affordability Snapshot — Zip 21770
To purchase the median home at $555,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,402.
Monthly Payment
$4,402
Income Required
$188,667
Principal & Interest
$3,420/mo
Down Payment (5%)
$27,750
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 21770.
Estimated Monthly Payment
$3,585
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