20905 — Montgomery County, Maryland Market Snapshot
Housing market data for zip code 20905 in Montgomery County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
39 sales in 2026 (year to date)
Median Sale Price
$740,000
Days to Sell
20
Homes Sold
39
Inventory
21
Sale-to-List
101.2%
New Listings
53
Price/SqFt
$251
Pending Sales
47
Conforming Loan Available
Most homebuyers in 20905 can comfortably use conventional financing. The median home price of $740,000 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 20905 are moving quickly at 20 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 20905 (101.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 20905 can comfortably use conventional financing. The median home price of $740,000 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 20905 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 20905
To purchase the median home at $740,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,820.
Monthly Payment
$5,820
Income Required
$249,413
Principal & Interest
$4,560/mo
Down Payment (5%)
$37,000
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 20905.
Estimated Monthly Payment
$4,730
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