21102 — Carroll County, Maryland Market Snapshot
Housing market data for zip code 21102 in Carroll County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
35 sales in 2026 (year to date)
Median Sale Price
$464,000
Days to Sell
38
Homes Sold
35
Inventory
26
Sale-to-List
99.6%
New Listings
50
Price/SqFt
$200
Pending Sales
40
Conforming Loan Available
Most homebuyers in 21102 can comfortably use conventional financing. The median home price of $464,000 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
21102's market is balanced with homes taking an average of 38 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 21102 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21102 can comfortably use conventional financing. The median home price of $464,000 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 21102 are set at the county level.
2026 Loan Limits — Carroll 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 21102
To purchase the median home at $464,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,705.
Monthly Payment
$3,705
Income Required
$158,787
Principal & Interest
$2,859/mo
Down Payment (5%)
$23,200
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 21102.
Estimated Monthly Payment
$3,022
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 21102. Tell us what you're looking for.