20866 — Montgomery County, Maryland Market Snapshot
Housing market data for zip code 20866 in Montgomery County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$395,000
Days to Sell
29
Homes Sold
11
Inventory
17
Sale-to-List
98.5%
New Listings
28
Price/SqFt
$278
Pending Sales
21
Conforming Loan Available
Most homebuyers in 20866 can comfortably use conventional financing. The median home price of $395,000 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
Homes in 20866 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 20866 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 20866 can comfortably use conventional financing. The median home price of $395,000 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 20866 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 20866
To purchase the median home at $395,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,176.
Monthly Payment
$3,176
Income Required
$136,130
Principal & Interest
$2,434/mo
Down Payment (5%)
$19,750
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 20866.
Estimated Monthly Payment
$2,595
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