21154 — Harford County, Maryland Market Snapshot
Housing market data for zip code 21154 in Harford County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$785,000
Days to Sell
65
Homes Sold
11
Inventory
7
Sale-to-List
98.4%
New Listings
16
Price/SqFt
$178
Pending Sales
14
Conforming Loan Available
The median home in 21154 at $785,000 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 65 days on average, 21154 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 21154 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 21154 at $785,000 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 21154 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 21154
To purchase the median home at $785,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,164.
Monthly Payment
$6,164
Income Required
$264,189
Principal & Interest
$4,837/mo
Down Payment (5%)
$39,250
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 21154.
Estimated Monthly Payment
$5,008
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