20850 — Montgomery County, Maryland Market Snapshot
Housing market data for zip code 20850 in Montgomery County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
136 sales in 2026 (year to date)
Median Sale Price
$730,235
Days to Sell
34
Homes Sold
136
Inventory
145
Sale-to-List
100.7%
New Listings
203
Price/SqFt
$335
Pending Sales
162
Conforming Loan Available
Most homebuyers in 20850 can comfortably use conventional financing. The median home price of $730,235 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
20850'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 20850 (100.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 20850 can comfortably use conventional financing. The median home price of $730,235 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 20850 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 20850
To purchase the median home at $730,235 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,745.
Monthly Payment
$5,745
Income Required
$246,207
Principal & Interest
$4,499/mo
Down Payment (5%)
$36,512
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 20850.
Estimated Monthly Payment
$4,669
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