21120 — Baltimore County, Maryland Market Snapshot
Housing market data for zip code 21120 in Baltimore County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$708,000
Days to Sell
40
Homes Sold
18
Inventory
12
Sale-to-List
103.1%
New Listings
23
Price/SqFt
$245
Pending Sales
20
Conforming Loan Available
The median home in 21120 at $708,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
21120's market is balanced with homes taking an average of 40 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 21120 are selling 3.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 21120 at $708,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 21120 are set at the county level.
2026 Loan Limits — Baltimore 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 21120
To purchase the median home at $708,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,574.
Monthly Payment
$5,574
Income Required
$238,906
Principal & Interest
$4,362/mo
Down Payment (5%)
$35,400
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 21120.
Estimated Monthly Payment
$4,532
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