20774 — Prince George's County, Maryland Market Snapshot
Housing market data for zip code 20774 in Prince George's County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
56 sales in 2026 (year to date)
Median Sale Price
$582,500
Days to Sell
64
Homes Sold
56
Inventory
92
Sale-to-List
99.0%
New Listings
120
Price/SqFt
$206
Pending Sales
76
Conforming Loan Available
Most homebuyers in 20774 can comfortably use conventional financing. The median home price of $582,500 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
With homes sitting for 64 days on average, 20774 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 are selling very close to asking price in 20774 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 20774 can comfortably use conventional financing. The median home price of $582,500 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 20774 are set at the county level.
2026 Loan Limits — Prince George's 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 20774
To purchase the median home at $582,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,613.
Monthly Payment
$4,613
Income Required
$197,697
Principal & Interest
$3,589/mo
Down Payment (5%)
$29,125
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 20774.
Estimated Monthly Payment
$3,755
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