21104 — Howard County, Maryland Market Snapshot
Housing market data for zip code 21104 in Howard 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
$780,000
Days to Sell
5
Homes Sold
10
Inventory
3
Sale-to-List
101.4%
New Listings
19
Price/SqFt
$283
Pending Sales
13
Conforming Loan Available
The median home in 21104 at $780,000 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
21104 is an extremely competitive market with homes selling in just 5 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 21104 (101.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 21104 at $780,000 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 21104 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 21104
To purchase the median home at $780,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,126.
Monthly Payment
$6,126
Income Required
$262,548
Principal & Interest
$4,806/mo
Down Payment (5%)
$39,000
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 21104.
Estimated Monthly Payment
$4,977
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