20777 — Howard County, Maryland Market Snapshot
Housing market data for zip code 20777 in Howard 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
$977,500
Days to Sell
12
Homes Sold
12
Inventory
10
Sale-to-List
103.6%
New Listings
23
Price/SqFt
$287
Pending Sales
16
Jumbo Loan Likely Needed
The median home in 20777 at $977,500 exceeds the 2026 conforming loan limit of $832,750 by $144,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
20777 is an extremely competitive market with homes selling in just 12 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 20777 are selling 3.6% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 20777 at $977,500 exceeds the 2026 conforming loan limit of $832,750 by $144,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 20777 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 20777
To purchase the median home at $977,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,639.
Monthly Payment
$7,639
Income Required
$327,398
Principal & Interest
$6,023/mo
Down Payment (5%)
$48,875
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 20777.
Estimated Monthly Payment
$6,200
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