21161 — Baltimore County, Maryland Market Snapshot
Housing market data for zip code 21161 in Baltimore County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$675,000
Days to Sell
40
Homes Sold
15
Inventory
8
Sale-to-List
99.5%
New Listings
21
Price/SqFt
$250
Pending Sales
20
Conforming Loan Available
The median home in 21161 at $675,000 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
21161'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 are selling very close to asking price in 21161 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 21161 at $675,000 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 21161 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 21161
To purchase the median home at $675,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,322.
Monthly Payment
$5,322
Income Required
$228,070
Principal & Interest
$4,159/mo
Down Payment (5%)
$33,750
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 21161.
Estimated Monthly Payment
$4,327
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