20841 — Montgomery County, Maryland Market Snapshot
Housing market data for zip code 20841 in Montgomery County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$644,917
Days to Sell
66
Homes Sold
18
Inventory
1
Sale-to-List
105.5%
New Listings
16
Price/SqFt
$316
Pending Sales
6
Conforming Loan Available
Most homebuyers in 20841 can comfortably use conventional financing. The median home price of $644,917 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 66 days on average, 20841 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
Homes in 20841 are selling 5.5% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 20841 can comfortably use conventional financing. The median home price of $644,917 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 20841 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 20841
To purchase the median home at $644,917 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,091.
Monthly Payment
$5,091
Income Required
$218,192
Principal & Interest
$3,974/mo
Down Payment (5%)
$32,246
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 20841.
Estimated Monthly Payment
$4,141
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