21701 — Frederick County, Maryland Market Snapshot
Housing market data for zip code 21701 in Frederick County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
216 sales in 2026 (year to date)
Median Sale Price
$488,732
Days to Sell
35
Homes Sold
216
Inventory
167
Sale-to-List
99.8%
New Listings
316
Price/SqFt
$230
Pending Sales
236
Conforming Loan Available
Most homebuyers in 21701 can comfortably use conventional financing. The median home price of $488,732 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
21701's market is balanced with homes taking an average of 35 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 21701 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21701 can comfortably use conventional financing. The median home price of $488,732 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 21701 are set at the county level.
2026 Loan Limits — Frederick County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,249,125 |
| 2 Units | $1,599,375 | $1,599,375 |
| 3 Units | $1,933,200 | $1,933,200 |
| 4 Units | $2,402,625 | $2,402,625 |
Affordability Snapshot — Zip 21701
To purchase the median home at $488,732 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,895.
Monthly Payment
$3,895
Income Required
$166,907
Principal & Interest
$3,011/mo
Down Payment (5%)
$24,437
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 21701.
Estimated Monthly Payment
$3,175
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