21623 — Queen Anne's County, Maryland Market Snapshot
Housing market data for zip code 21623 in Queen Anne's 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
$405,000
Days to Sell
37
Homes Sold
11
Inventory
8
Sale-to-List
99.6%
New Listings
11
Price/SqFt
$210
Pending Sales
15
Conforming Loan Available
Most homebuyers in 21623 can comfortably use conventional financing. The median home price of $405,000 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
21623's market is balanced with homes taking an average of 37 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 21623 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 21623 can comfortably use conventional financing. The median home price of $405,000 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 21623 are set at the county level.
2026 Loan Limits — Queen Anne's 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 21623
To purchase the median home at $405,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,253.
Monthly Payment
$3,253
Income Required
$139,413
Principal & Interest
$2,495/mo
Down Payment (5%)
$20,250
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 21623.
Estimated Monthly Payment
$2,656
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