20678 — Calvert County, Maryland Market Snapshot
Housing market data for zip code 20678 in Calvert County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
45 sales in 2026 (year to date)
Median Sale Price
$485,000
Days to Sell
50
Homes Sold
45
Inventory
33
Sale-to-List
100.7%
New Listings
53
Price/SqFt
$195
Pending Sales
49
Conforming Loan Available
Most homebuyers in 20678 can comfortably use conventional financing. The median home price of $485,000 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
20678's market is balanced with homes taking an average of 50 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 20678 (100.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 20678 can comfortably use conventional financing. The median home price of $485,000 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 20678 are set at the county level.
2026 Loan Limits — Calvert County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,209,750 | $541,287 |
| 2 Units | $1,548,975 | $693,050 |
| 3 Units | $1,872,225 | $837,700 |
| 4 Units | $2,326,875 | $1,041,125 |
Affordability Snapshot — Zip 20678
To purchase the median home at $485,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,866.
Monthly Payment
$3,866
Income Required
$165,682
Principal & Interest
$2,988/mo
Down Payment (5%)
$24,250
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 20678.
Estimated Monthly Payment
$3,152
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 20678. Tell us what you're looking for.