21666 — Queen Anne's County, Maryland Market Snapshot
Housing market data for zip code 21666 in Queen Anne's County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
48 sales in 2026 (year to date)
Median Sale Price
$545,000
Days to Sell
63
Homes Sold
48
Inventory
75
Sale-to-List
98.6%
New Listings
99
Price/SqFt
$283
Pending Sales
69
Conforming Loan Available
Most homebuyers in 21666 can comfortably use conventional financing. The median home price of $545,000 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
With homes sitting for 63 days on average, 21666 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 21666 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21666 can comfortably use conventional financing. The median home price of $545,000 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 21666 are set at the county level.
2026 Loan Limits — Queen Anne's 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 21666
To purchase the median home at $545,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,326.
Monthly Payment
$4,326
Income Required
$185,384
Principal & Interest
$3,358/mo
Down Payment (5%)
$27,250
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 21666.
Estimated Monthly Payment
$3,523
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