21230 — Baltimore city, Maryland Market Snapshot
Housing market data for zip code 21230 in Baltimore city, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
166 sales in 2026 (year to date)
Median Sale Price
$340,000
Days to Sell
35
Homes Sold
166
Inventory
218
Sale-to-List
99.9%
New Listings
298
Price/SqFt
$234
Pending Sales
219
Conforming Loan Available
Most homebuyers in 21230 can comfortably use conventional financing. The median home price of $340,000 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
21230's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 21230 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21230 can comfortably use conventional financing. The median home price of $340,000 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 21230 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 21230
To purchase the median home at $340,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,755.
Monthly Payment
$2,755
Income Required
$118,070
Principal & Interest
$2,095/mo
Down Payment (5%)
$17,000
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 21230.
Estimated Monthly Payment
$2,254
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