20814 — Montgomery County, Maryland Market Snapshot
Housing market data for zip code 20814 in Montgomery County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
47 sales in 2026 (year to date)
Median Sale Price
$338,000
Days to Sell
65
Homes Sold
47
Inventory
80
Sale-to-List
97.9%
New Listings
79
Price/SqFt
$301
Pending Sales
60
Conforming Loan Available
Most homebuyers in 20814 can comfortably use conventional financing. The median home price of $338,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 65 days on average, 20814 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 20814 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 20814 can comfortably use conventional financing. The median home price of $338,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 20814 are set at the county level.
2026 Loan Limits — Montgomery County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,249,125 |
| 2 Units | $1,599,375 | $1,599,375 |
| 3 Units | $1,933,200 | $1,933,200 |
| 4 Units | $2,402,625 | $2,402,625 |
Affordability Snapshot — Zip 20814
To purchase the median home at $338,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,740.
Monthly Payment
$2,740
Income Required
$117,414
Principal & Interest
$2,083/mo
Down Payment (5%)
$16,900
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 20814.
Estimated Monthly Payment
$2,242
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 20814. Tell us what you're looking for.