20833 — Howard County, Maryland Market Snapshot
Housing market data for zip code 20833 in Howard County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$850,000
Days to Sell
26
Homes Sold
11
Inventory
16
Sale-to-List
99.6%
New Listings
22
Price/SqFt
$276
Pending Sales
19
Jumbo Loan Likely Needed
The median home in 20833 at $850,000 exceeds the 2026 conforming loan limit of $832,750 by $17,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 20833 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 20833 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 20833 at $850,000 exceeds the 2026 conforming loan limit of $832,750 by $17,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 20833 are set at the county level.
2026 Loan Limits — Howard 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 20833
To purchase the median home at $850,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,662.
Monthly Payment
$6,662
Income Required
$285,533
Principal & Interest
$5,237/mo
Down Payment (5%)
$42,500
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 20833.
Estimated Monthly Payment
$5,410
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