21704 — Frederick County, Maryland Market Snapshot
Housing market data for zip code 21704 in Frederick County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$862,500
Days to Sell
42
Homes Sold
30
Inventory
21
Sale-to-List
99.9%
New Listings
50
Price/SqFt
$217
Pending Sales
41
Conforming Loan Available
Most homebuyers in 21704 can comfortably use conventional financing. The median home price of $862,500 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
21704's market is balanced with homes taking an average of 42 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 21704 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21704 can comfortably use conventional financing. The median home price of $862,500 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 21704 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 21704
To purchase the median home at $862,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,758.
Monthly Payment
$6,758
Income Required
$289,637
Principal & Interest
$5,314/mo
Down Payment (5%)
$43,125
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 21704.
Estimated Monthly Payment
$5,488
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