21702 — Frederick County, Maryland Market Snapshot
Housing market data for zip code 21702 in Frederick County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
97 sales in 2026 (year to date)
Median Sale Price
$570,000
Days to Sell
43
Homes Sold
97
Inventory
73
Sale-to-List
99.4%
New Listings
160
Price/SqFt
$213
Pending Sales
117
Conforming Loan Available
Most homebuyers in 21702 can comfortably use conventional financing. The median home price of $570,000 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
21702's market is balanced with homes taking an average of 43 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 21702 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21702 can comfortably use conventional financing. The median home price of $570,000 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 21702 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 21702
To purchase the median home at $570,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,517.
Monthly Payment
$4,517
Income Required
$193,593
Principal & Interest
$3,512/mo
Down Payment (5%)
$28,500
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 21702.
Estimated Monthly Payment
$3,678
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 21702. Tell us what you're looking for.