21076 — Howard County, Maryland Market Snapshot
Housing market data for zip code 21076 in Howard County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$548,405
Days to Sell
36
Homes Sold
37
Inventory
39
Sale-to-List
100.1%
New Listings
66
Price/SqFt
$244
Pending Sales
51
Conforming Loan Available
Most homebuyers in 21076 can comfortably use conventional financing. The median home price of $548,405 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
21076's market is balanced with homes taking an average of 36 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 21076 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21076 can comfortably use conventional financing. The median home price of $548,405 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 21076 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 21076
To purchase the median home at $548,405 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,352.
Monthly Payment
$4,352
Income Required
$186,502
Principal & Interest
$3,379/mo
Down Payment (5%)
$27,420
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 21076.
Estimated Monthly Payment
$3,544
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