21054 — Anne Arundel County, Maryland Market Snapshot
Housing market data for zip code 21054 in Anne Arundel County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$505,000
Days to Sell
14
Homes Sold
10
Inventory
3
Sale-to-List
101.2%
New Listings
12
Price/SqFt
$273
Pending Sales
13
Conforming Loan Available
Most homebuyers in 21054 can comfortably use conventional financing. The median home price of $505,000 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 21054 are moving quickly at 14 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 21054 (101.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21054 can comfortably use conventional financing. The median home price of $505,000 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 21054 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 21054
To purchase the median home at $505,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,019.
Monthly Payment
$4,019
Income Required
$172,249
Principal & Interest
$3,112/mo
Down Payment (5%)
$25,250
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 21054.
Estimated Monthly Payment
$3,275
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