21208 — Baltimore city, Maryland Market Snapshot
Housing market data for zip code 21208 in Baltimore city, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$227,500
Days to Sell
57
Homes Sold
22
Inventory
33
Sale-to-List
96.3%
New Listings
31
Price/SqFt
$175
Pending Sales
26
Conforming Loan Available
Most homebuyers in 21208 can comfortably use conventional financing. The median home price of $227,500 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
21208's market is balanced with homes taking an average of 57 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 21208 sells for 3.7% below asking price (96.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 21208 can comfortably use conventional financing. The median home price of $227,500 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 21208 are set at the county level.
2026 Loan Limits — Baltimore city
| 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 21208
To purchase the median home at $227,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,893.
Monthly Payment
$1,893
Income Required
$81,130
Principal & Interest
$1,402/mo
Down Payment (5%)
$11,375
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 21208.
Estimated Monthly Payment
$1,558
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 21208. Tell us what you're looking for.