20839 — Montgomery County, Maryland Market Snapshot
Housing market data for zip code 20839 in Montgomery County, Maryland. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Montgomery County county page for broader data.
Market Sales Data
2 sales in 2025
Median Sale Price
$779,500
Days to Sell
49
Homes Sold
2
Inventory
N/A
Conforming Loan Available
Most homebuyers in 20839 can comfortably use conventional financing. The median home price of $779,500 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
20839's market is balanced with homes taking an average of 49 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 20839 can comfortably use conventional financing. The median home price of $779,500 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 20839 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 20839
To purchase the median home at $779,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,122.
Monthly Payment
$6,122
Income Required
$262,383
Principal & Interest
$4,803/mo
Down Payment (5%)
$38,975
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 20839.
Estimated Monthly Payment
$4,974
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