21738 — Howard County, Maryland Market Snapshot
Housing market data for zip code 21738 in Howard County, Maryland. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 8 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Howard County county page for broader data.
Market Sales Data
8 sales in 2026 (year to date)
Median Sale Price
$687,500
Days to Sell
49
Homes Sold
8
Inventory
7
Conforming Loan Available
The median home in 21738 at $687,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
21738's market is balanced with homes taking an average of 49 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
The median home in 21738 at $687,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 21738 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 21738
To purchase the median home at $687,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,417.
Monthly Payment
$5,417
Income Required
$232,175
Principal & Interest
$4,236/mo
Down Payment (5%)
$34,375
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 21738.
Estimated Monthly Payment
$4,405
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