20815 — Montgomery County, Maryland Market Snapshot
Housing market data for zip code 20815 in Montgomery County, Maryland. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 8 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Montgomery County county page for broader data.
Market Sales Data
8 sales in 2026 (year to date)
Median Sale Price
$1,135,000
Days to Sell
74
Homes Sold
8
Inventory
14
Conforming Loan Available
The median home in 20815 at $1,135,000 falls within the 2026 conforming loan limit of $1,249,125, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 74 days on average, 20815 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 20815 at $1,135,000 falls within the 2026 conforming loan limit of $1,249,125, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 20815 are set at the county level.
2026 Loan Limits — Montgomery 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 20815
To purchase the median home at $1,135,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,846.
Monthly Payment
$8,846
Income Required
$379,115
Principal & Interest
$6,994/mo
Down Payment (5%)
$56,750
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 20815.
Estimated Monthly Payment
$7,174
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