21658 — Queen Anne's County, Maryland Market Snapshot
Housing market data for zip code 21658 in Queen Anne's County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$696,250
Days to Sell
33
Homes Sold
12
Inventory
13
Sale-to-List
98.0%
New Listings
20
Price/SqFt
$317
Pending Sales
16
Conforming Loan Available
The median home in 21658 at $696,250 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
21658's market is balanced with homes taking an average of 33 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 21658 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 21658 at $696,250 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 21658 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 21658
To purchase the median home at $696,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,484.
Monthly Payment
$5,484
Income Required
$235,048
Principal & Interest
$4,290/mo
Down Payment (5%)
$34,813
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 21658.
Estimated Monthly Payment
$4,459
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