20903 — Montgomery County, Maryland Market Snapshot
Housing market data for zip code 20903 in Montgomery County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$475,225
Days to Sell
32
Homes Sold
24
Inventory
12
Sale-to-List
101.2%
New Listings
22
Price/SqFt
$256
Pending Sales
26
Conforming Loan Available
Most homebuyers in 20903 can comfortably use conventional financing. The median home price of $475,225 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
20903's market is balanced with homes taking an average of 32 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 20903 (101.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 20903 can comfortably use conventional financing. The median home price of $475,225 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 20903 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 20903
To purchase the median home at $475,225 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,791.
Monthly Payment
$3,791
Income Required
$162,473
Principal & Interest
$2,928/mo
Down Payment (5%)
$23,761
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 20903.
Estimated Monthly Payment
$3,091
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