21028 — Harford County, Maryland Market Snapshot
Housing market data for zip code 21028 in Harford County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$697,500
Days to Sell
81
Homes Sold
10
Inventory
4
Sale-to-List
99.0%
New Listings
8
Price/SqFt
$202
Pending Sales
7
Conforming Loan Available
The median home in 21028 at $697,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 81 days on average, 21028 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 21028 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 21028 at $697,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 21028 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 21028
To purchase the median home at $697,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,494.
Monthly Payment
$5,494
Income Required
$235,458
Principal & Interest
$4,298/mo
Down Payment (5%)
$34,875
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 21028.
Estimated Monthly Payment
$4,467
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