21047 — Harford County, Maryland Market Snapshot
Housing market data for zip code 21047 in Harford County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$575,000
Days to Sell
26
Homes Sold
17
Inventory
15
Sale-to-List
99.3%
New Listings
34
Price/SqFt
$237
Pending Sales
24
Conforming Loan Available
Most homebuyers in 21047 can comfortably use conventional financing. The median home price of $575,000 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 21047 are moving quickly at 26 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 21047 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21047 can comfortably use conventional financing. The median home price of $575,000 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 21047 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 21047
To purchase the median home at $575,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,555.
Monthly Payment
$4,555
Income Required
$195,234
Principal & Interest
$3,543/mo
Down Payment (5%)
$28,750
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 21047.
Estimated Monthly Payment
$3,709
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