21001 — Harford County, Maryland Market Snapshot
Housing market data for zip code 21001 in Harford 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
$367,100
Days to Sell
13
Homes Sold
24
Inventory
24
Sale-to-List
100.9%
New Listings
62
Price/SqFt
$195
Pending Sales
36
Conforming Loan Available
Most homebuyers in 21001 can comfortably use conventional financing. The median home price of $367,100 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
21001 is an extremely competitive market with homes selling in just 13 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 21001 (100.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21001 can comfortably use conventional financing. The median home price of $367,100 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 21001 are set at the county level.
2026 Loan Limits — Harford County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $747,500 |
| 2 Units | $1,066,250 | $956,950 |
| 3 Units | $1,288,800 | $1,156,700 |
| 4 Units | $1,601,750 | $1,437,500 |
Affordability Snapshot — Zip 21001
To purchase the median home at $367,100 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,963.
Monthly Payment
$2,963
Income Required
$126,969
Principal & Interest
$2,262/mo
Down Payment (5%)
$18,355
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 21001.
Estimated Monthly Payment
$2,422
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