21042 — Howard County, Maryland Market Snapshot
Housing market data for zip code 21042 in Howard County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
129 sales in 2026 (year to date)
Median Sale Price
$760,000
Days to Sell
18
Homes Sold
129
Inventory
58
Sale-to-List
102.4%
New Listings
187
Price/SqFt
$262
Pending Sales
159
Conforming Loan Available
The median home in 21042 at $760,000 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
Homes in 21042 are moving quickly at 18 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 21042 are selling 2.4% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 21042 at $760,000 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 21042 are set at the county level.
2026 Loan Limits — Howard 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 21042
To purchase the median home at $760,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,973.
Monthly Payment
$5,973
Income Required
$255,981
Principal & Interest
$4,683/mo
Down Payment (5%)
$38,000
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 21042.
Estimated Monthly Payment
$4,853
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 21042. Tell us what you're looking for.