20132 — Loudoun County, Virginia Market Snapshot
Housing market data for zip code 20132 in Loudoun County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
59 sales in 2026 (year to date)
Median Sale Price
$924,000
Days to Sell
30
Homes Sold
59
Inventory
42
Sale-to-List
100.5%
New Listings
79
Price/SqFt
$274
Pending Sales
70
Conforming Loan Available
Most homebuyers in 20132 can comfortably use conventional financing. The median home price of $924,000 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
20132's market is balanced with homes taking an average of 30 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 20132 (100.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 20132 can comfortably use conventional financing. The median home price of $924,000 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 20132 are set at the county level.
2026 Loan Limits — Loudoun 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 20132
To purchase the median home at $924,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,229.
Monthly Payment
$7,229
Income Required
$309,831
Principal & Interest
$5,693/mo
Down Payment (5%)
$46,200
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 20132.
Estimated Monthly Payment
$5,868
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