20637 — Charles County, Maryland Market Snapshot
Housing market data for zip code 20637 in Charles County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$610,000
Days to Sell
76
Homes Sold
17
Inventory
35
Sale-to-List
100.3%
New Listings
35
Price/SqFt
$182
Pending Sales
27
Conforming Loan Available
Most homebuyers in 20637 can comfortably use conventional financing. The median home price of $610,000 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
With homes sitting for 76 days on average, 20637 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 20637 (100.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 20637 can comfortably use conventional financing. The median home price of $610,000 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 20637 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 20637
To purchase the median home at $610,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,824.
Monthly Payment
$4,824
Income Required
$206,727
Principal & Interest
$3,759/mo
Down Payment (5%)
$30,500
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 20637.
Estimated Monthly Payment
$3,925
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