20860 — Montgomery County, Maryland Market Snapshot
Housing market data for zip code 20860 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 2026 (year to date)
Median Sale Price
$633,250
Days to Sell
14
Homes Sold
2
Inventory
2
Conforming Loan Available
Most homebuyers in 20860 can comfortably use conventional financing. The median home price of $633,250 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
Homes in 20860 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 20860 can comfortably use conventional financing. The median home price of $633,250 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 20860 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 20860
To purchase the median home at $633,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,002.
Monthly Payment
$5,002
Income Required
$214,361
Principal & Interest
$3,902/mo
Down Payment (5%)
$31,663
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 20860.
Estimated Monthly Payment
$4,069
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