21774 — Frederick County, Maryland Market Snapshot
Housing market data for zip code 21774 in Frederick County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
60 sales in 2026 (year to date)
Median Sale Price
$640,000
Days to Sell
33
Homes Sold
60
Inventory
55
Sale-to-List
100.7%
New Listings
84
Price/SqFt
$232
Pending Sales
73
Conforming Loan Available
Most homebuyers in 21774 can comfortably use conventional financing. The median home price of $640,000 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
21774's market is balanced with homes taking an average of 33 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 21774 (100.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21774 can comfortably use conventional financing. The median home price of $640,000 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 21774 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 21774
To purchase the median home at $640,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,053.
Monthly Payment
$5,053
Income Required
$216,578
Principal & Interest
$3,943/mo
Down Payment (5%)
$32,000
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 21774.
Estimated Monthly Payment
$4,111
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