21716 — Frederick County, Maryland Market Snapshot
Housing market data for zip code 21716 in Frederick County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$375,450
Days to Sell
49
Homes Sold
28
Inventory
23
Sale-to-List
100.0%
New Listings
38
Price/SqFt
$203
Pending Sales
34
Conforming Loan Available
Most homebuyers in 21716 can comfortably use conventional financing. The median home price of $375,450 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
21716's market is balanced with homes taking an average of 49 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 21716 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21716 can comfortably use conventional financing. The median home price of $375,450 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 21716 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 21716
To purchase the median home at $375,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,027.
Monthly Payment
$3,027
Income Required
$129,710
Principal & Interest
$2,313/mo
Down Payment (5%)
$18,773
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 21716.
Estimated Monthly Payment
$2,474
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