21219 — Baltimore County, Maryland Market Snapshot
Housing market data for zip code 21219 in Baltimore County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
31 sales in 2026 (year to date)
Median Sale Price
$430,000
Days to Sell
64
Homes Sold
31
Inventory
29
Sale-to-List
97.2%
New Listings
42
Price/SqFt
$223
Pending Sales
39
Conforming Loan Available
Most homebuyers in 21219 can comfortably use conventional financing. The median home price of $430,000 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
With homes sitting for 64 days on average, 21219 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 21219 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 21219 can comfortably use conventional financing. The median home price of $430,000 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 21219 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 21219
To purchase the median home at $430,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,445.
Monthly Payment
$3,445
Income Required
$147,622
Principal & Interest
$2,650/mo
Down Payment (5%)
$21,500
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 21219.
Estimated Monthly Payment
$2,811
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