21234 — Baltimore city, Maryland Market Snapshot
Housing market data for zip code 21234 in Baltimore city, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
66 sales in 2026 (year to date)
Median Sale Price
$257,249
Days to Sell
32
Homes Sold
66
Inventory
27
Sale-to-List
100.1%
New Listings
80
Price/SqFt
$177
Pending Sales
81
Conforming Loan Available
Most homebuyers in 21234 can comfortably use conventional financing. The median home price of $257,249 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
21234's market is balanced with homes taking an average of 32 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 21234 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21234 can comfortably use conventional financing. The median home price of $257,249 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 21234 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 21234
To purchase the median home at $257,249 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,121.
Monthly Payment
$2,121
Income Required
$90,898
Principal & Interest
$1,585/mo
Down Payment (5%)
$12,862
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 21234.
Estimated Monthly Payment
$1,742
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