20685 — Calvert County, Maryland Market Snapshot
Housing market data for zip code 20685 in Calvert County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$539,900
Days to Sell
58
Homes Sold
19
Inventory
28
Sale-to-List
98.7%
New Listings
39
Price/SqFt
$197
Pending Sales
34
Conforming Loan Available
Most homebuyers in 20685 can comfortably use conventional financing. The median home price of $539,900 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
20685's market is balanced with homes taking an average of 58 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 20685 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 20685 can comfortably use conventional financing. The median home price of $539,900 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 20685 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 20685
To purchase the median home at $539,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,287.
Monthly Payment
$4,287
Income Required
$183,709
Principal & Interest
$3,327/mo
Down Payment (5%)
$26,995
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 20685.
Estimated Monthly Payment
$3,491
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