21668 — Queen Anne's County, Maryland Market Snapshot
Housing market data for zip code 21668 in Queen Anne's County, Maryland. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Queen Anne's County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$265,500
Days to Sell
74
Homes Sold
2
Inventory
3
Conforming Loan Available
Most homebuyers in 21668 can comfortably use conventional financing. The median home price of $265,500 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 74 days on average, 21668 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 21668 can comfortably use conventional financing. The median home price of $265,500 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 21668 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 21668
To purchase the median home at $265,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,184.
Monthly Payment
$2,184
Income Required
$93,608
Principal & Interest
$1,636/mo
Down Payment (5%)
$13,275
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 21668.
Estimated Monthly Payment
$1,793
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