21791 — Carroll County, Maryland Market Snapshot
Housing market data for zip code 21791 in Carroll County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$387,500
Days to Sell
18
Homes Sold
12
Inventory
8
Sale-to-List
99.2%
New Listings
12
Price/SqFt
$196
Pending Sales
13
Conforming Loan Available
Most homebuyers in 21791 can comfortably use conventional financing. The median home price of $387,500 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
Homes in 21791 are moving quickly at 18 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 21791 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21791 can comfortably use conventional financing. The median home price of $387,500 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 21791 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 21791
To purchase the median home at $387,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,119.
Monthly Payment
$3,119
Income Required
$133,667
Principal & Interest
$2,388/mo
Down Payment (5%)
$19,375
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 21791.
Estimated Monthly Payment
$2,548
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