21035 — Anne Arundel County, Maryland Market Snapshot
Housing market data for zip code 21035 in Anne Arundel County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$941,000
Days to Sell
29
Homes Sold
17
Inventory
25
Sale-to-List
100.9%
New Listings
39
Price/SqFt
$297
Pending Sales
34
Jumbo Loan Likely Needed
The median home in 21035 at $941,000 exceeds the 2026 conforming loan limit of $832,750 by $108,250. 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
Homes in 21035 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 21035 (100.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 21035 at $941,000 exceeds the 2026 conforming loan limit of $832,750 by $108,250. 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 21035 are set at the county level.
2026 Loan Limits — Anne Arundel 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 21035
To purchase the median home at $941,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,360.
Monthly Payment
$7,360
Income Required
$315,413
Principal & Interest
$5,798/mo
Down Payment (5%)
$47,050
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 21035.
Estimated Monthly Payment
$5,974
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