21009 — Harford County, Maryland Market Snapshot
Housing market data for zip code 21009 in Harford County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
42 sales in 2026 (year to date)
Median Sale Price
$326,000
Days to Sell
21
Homes Sold
42
Inventory
30
Sale-to-List
100.1%
New Listings
62
Price/SqFt
$182
Pending Sales
51
Conforming Loan Available
Most homebuyers in 21009 can comfortably use conventional financing. The median home price of $326,000 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 21009 are moving quickly at 21 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 21009 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21009 can comfortably use conventional financing. The median home price of $326,000 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 21009 are set at the county level.
2026 Loan Limits — Harford 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 21009
To purchase the median home at $326,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,648.
Monthly Payment
$2,648
Income Required
$113,473
Principal & Interest
$2,009/mo
Down Payment (5%)
$16,300
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 21009.
Estimated Monthly Payment
$2,168
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