20147 — Loudoun County, Virginia Market Snapshot
Housing market data for zip code 20147 in Loudoun County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
82 sales in 2026 (year to date)
Median Sale Price
$1,027,500
Days to Sell
21
Homes Sold
82
Inventory
33
Sale-to-List
102.2%
New Listings
98
Price/SqFt
$297
Pending Sales
93
Conforming Loan Available
The median home in 20147 at $1,027,500 falls within the 2026 conforming loan limit of $1,249,125, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 20147 are moving quickly at 21 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 20147 are selling 2.2% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 20147 at $1,027,500 falls within the 2026 conforming loan limit of $1,249,125, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 20147 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 20147
To purchase the median home at $1,027,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,022.
Monthly Payment
$8,022
Income Required
$343,816
Principal & Interest
$6,331/mo
Down Payment (5%)
$51,375
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 20147.
Estimated Monthly Payment
$6,509
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