21046 — Howard County, Maryland Market Snapshot
Housing market data for zip code 21046 in Howard County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$460,000
Days to Sell
14
Homes Sold
19
Inventory
13
Sale-to-List
100.6%
New Listings
27
Price/SqFt
$247
Pending Sales
23
Within Conforming Limit Estimate
At 5% down, the estimated base loan for the $460,000 median-priced home in 21046 is $437,000. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Market Temperature
The median listing-to-close time for the reported sales in 21046 is 14 days. Use this measure with the sale count, property type, condition, price range, and inventory. It does not predict competition or negotiation results for a specific home.
Sale-to-List Ratio
The reported average sale-to-list ratio in 21046 is 100.6%. This aggregate does not predict the sale price or appraisal for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $460,000 median-priced home in 21046 is $437,000. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 21046 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 21046
To purchase the median home at $460,000 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $3,856.
Monthly Payment
$3,856
Income Required
$165,277
Principal & Interest
$2,834/mo
Property Tax
$690/mo
Home Insurance
$150/mo
Estimated PMI
$182/mo
Down Payment (5%)
$23,000
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 21046.
Estimated Monthly Payment
$2,997
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
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