21794 — Howard County, Maryland Market Snapshot
Housing market data for zip code 21794 in Howard County, Maryland. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 6 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
6 sales in 2026 (year to date)
Median Sale Price
$1,492,500
Days to Sell
52
Homes Sold
6
Inventory
1
Jumbo Loan Likely Needed
The median home in 21794 at $1,492,500 exceeds the 2026 conforming loan limit of $832,750 by $659,750. 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
21794's market is balanced with homes taking an average of 52 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
The median home in 21794 at $1,492,500 exceeds the 2026 conforming loan limit of $832,750 by $659,750. 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 21794 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 21794
To purchase the median home at $1,492,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $11,585.
Monthly Payment
$11,585
Income Required
$496,503
Principal & Interest
$9,196/mo
Down Payment (5%)
$74,625
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 21794.
Estimated Monthly Payment
$9,387
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 21794.
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