20650 — St. Mary's County, Maryland Market Snapshot
Housing market data for zip code 20650 in St. Mary's County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
57 sales in 2026 (year to date)
Median Sale Price
$570,000
Days to Sell
40
Homes Sold
57
Inventory
36
Sale-to-List
99.5%
New Listings
82
Price/SqFt
$188
Pending Sales
67
Conforming Loan Available
Most homebuyers in 20650 can comfortably use conventional financing. The median home price of $570,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
20650's market is balanced with homes taking an average of 40 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 20650 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 20650 can comfortably use conventional financing. The median home price of $570,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 20650 are set at the county level.
2026 Loan Limits — St. Mary's County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 20650
To purchase the median home at $570,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,517.
Monthly Payment
$4,517
Income Required
$193,593
Principal & Interest
$3,512/mo
Down Payment (5%)
$28,500
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 20650.
Estimated Monthly Payment
$3,678
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