21788 — Frederick County, Maryland Market Snapshot
Housing market data for zip code 21788 in Frederick County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$412,500
Days to Sell
30
Homes Sold
24
Inventory
15
Sale-to-List
100.4%
New Listings
39
Price/SqFt
$231
Pending Sales
35
Conforming Loan Available
Most homebuyers in 21788 can comfortably use conventional financing. The median home price of $412,500 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
21788's market is balanced with homes taking an average of 30 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 21788 (100.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21788 can comfortably use conventional financing. The median home price of $412,500 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 21788 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 21788
To purchase the median home at $412,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,310.
Monthly Payment
$3,310
Income Required
$141,876
Principal & Interest
$2,542/mo
Down Payment (5%)
$20,625
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 21788.
Estimated Monthly Payment
$2,703
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