21784 — Carroll County, Maryland Market Snapshot
Housing market data for zip code 21784 in Carroll County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$497,250
Days to Sell
49
Homes Sold
24
Inventory
8
Sale-to-List
100.3%
New Listings
33
Price/SqFt
$216
Pending Sales
26
Conforming Loan Available
Most homebuyers in 21784 can comfortably use conventional financing. The median home price of $497,250 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
21784's market is balanced with homes taking an average of 49 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 21784 (100.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21784 can comfortably use conventional financing. The median home price of $497,250 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 21784 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 21784
To purchase the median home at $497,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,960.
Monthly Payment
$3,960
Income Required
$169,705
Principal & Interest
$3,064/mo
Down Payment (5%)
$24,863
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 21784.
Estimated Monthly Payment
$3,227
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