21911 — Cecil County, Maryland Market Snapshot
Housing market data for zip code 21911 in Cecil County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$364,500
Days to Sell
48
Homes Sold
22
Inventory
9
Sale-to-List
98.5%
New Listings
24
Price/SqFt
$193
Pending Sales
22
Conforming Loan Available
Most homebuyers in 21911 can comfortably use conventional financing. The median home price of $364,500 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
21911's market is balanced with homes taking an average of 48 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 21911 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21911 can comfortably use conventional financing. The median home price of $364,500 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 21911 are set at the county level.
2026 Loan Limits — Cecil County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $630,200 |
| 2 Units | $1,066,250 | $806,750 |
| 3 Units | $1,288,800 | $975,200 |
| 4 Units | $1,601,750 | $1,211,950 |
Affordability Snapshot — Zip 21911
To purchase the median home at $364,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,943.
Monthly Payment
$2,943
Income Required
$126,115
Principal & Interest
$2,246/mo
Down Payment (5%)
$18,225
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 21911.
Estimated Monthly Payment
$2,406
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