20646 — Charles County, Maryland Market Snapshot
Housing market data for zip code 20646 in Charles County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$411,850
Days to Sell
34
Homes Sold
30
Inventory
21
Sale-to-List
99.6%
New Listings
45
Price/SqFt
$211
Pending Sales
47
Conforming Loan Available
Most homebuyers in 20646 can comfortably use conventional financing. The median home price of $411,850 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
20646's market is balanced with homes taking an average of 34 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 20646 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 20646 can comfortably use conventional financing. The median home price of $411,850 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 20646 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 20646
To purchase the median home at $411,850 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,305.
Monthly Payment
$3,305
Income Required
$141,663
Principal & Interest
$2,538/mo
Down Payment (5%)
$20,593
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 20646.
Estimated Monthly Payment
$2,699
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