20636 — St. Mary's County, Maryland Market Snapshot
Housing market data for zip code 20636 in St. Mary's County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$518,000
Days to Sell
46
Homes Sold
34
Inventory
29
Sale-to-List
98.8%
New Listings
57
Price/SqFt
$211
Pending Sales
56
Conforming Loan Available
Most homebuyers in 20636 can comfortably use conventional financing. The median home price of $518,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
20636's market is balanced with homes taking an average of 46 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 20636 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 20636 can comfortably use conventional financing. The median home price of $518,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 20636 are set at the county level.
2026 Loan Limits — St. Mary's County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 20636
To purchase the median home at $518,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,119.
Monthly Payment
$4,119
Income Required
$176,518
Principal & Interest
$3,192/mo
Down Payment (5%)
$25,900
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 20636.
Estimated Monthly Payment
$3,356
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 20636. Tell us what you're looking for.