20603 — Charles County, Maryland Market Snapshot
Housing market data for zip code 20603 in Charles County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$367,450
Days to Sell
49
Homes Sold
24
Inventory
41
Sale-to-List
98.7%
New Listings
47
Price/SqFt
$200
Pending Sales
36
Conforming Loan Available
Most homebuyers in 20603 can comfortably use conventional financing. The median home price of $367,450 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
20603's market is balanced with homes taking an average of 49 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 20603 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 20603 can comfortably use conventional financing. The median home price of $367,450 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 20603 are set at the county level.
2026 Loan Limits — Charles 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 20603
To purchase the median home at $367,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,965.
Monthly Payment
$2,965
Income Required
$127,084
Principal & Interest
$2,264/mo
Down Payment (5%)
$18,373
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 20603.
Estimated Monthly Payment
$2,424
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