21050 — Harford County, Maryland Market Snapshot
Housing market data for zip code 21050 in Harford County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
68 sales in 2026 (year to date)
Median Sale Price
$421,500
Days to Sell
19
Homes Sold
68
Inventory
33
Sale-to-List
100.8%
New Listings
83
Price/SqFt
$210
Pending Sales
66
Conforming Loan Available
Most homebuyers in 21050 can comfortably use conventional financing. The median home price of $421,500 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
Homes in 21050 are moving quickly at 19 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 21050 (100.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21050 can comfortably use conventional financing. The median home price of $421,500 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 21050 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 21050
To purchase the median home at $421,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,379.
Monthly Payment
$3,379
Income Required
$144,831
Principal & Interest
$2,597/mo
Down Payment (5%)
$21,075
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 21050.
Estimated Monthly Payment
$2,759
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