21713 — Washington County, Maryland Market Snapshot
Housing market data for zip code 21713 in Washington County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$399,000
Days to Sell
29
Homes Sold
26
Inventory
38
Sale-to-List
97.2%
New Listings
46
Price/SqFt
$193
Pending Sales
39
Conforming Loan Available
Most homebuyers in 21713 can comfortably use conventional financing. The median home price of $399,000 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
Homes in 21713 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 21713 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 21713 can comfortably use conventional financing. The median home price of $399,000 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 21713 are set at the county level.
2026 Loan Limits — Washington County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 21713
To purchase the median home at $399,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,207.
Monthly Payment
$3,207
Income Required
$137,443
Principal & Interest
$2,459/mo
Down Payment (5%)
$19,950
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 21713.
Estimated Monthly Payment
$2,619
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