21755 — Frederick County, Maryland Market Snapshot
Housing market data for zip code 21755 in Frederick County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$607,500
Days to Sell
20
Homes Sold
18
Inventory
15
Sale-to-List
101.7%
New Listings
25
Price/SqFt
$266
Pending Sales
24
Conforming Loan Available
Most homebuyers in 21755 can comfortably use conventional financing. The median home price of $607,500 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
Homes in 21755 are moving quickly at 20 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 21755 (101.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21755 can comfortably use conventional financing. The median home price of $607,500 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 21755 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 21755
To purchase the median home at $607,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,804.
Monthly Payment
$4,804
Income Required
$205,906
Principal & Interest
$3,743/mo
Down Payment (5%)
$30,375
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 21755.
Estimated Monthly Payment
$3,910
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