20148 — Loudoun County, Virginia Market Snapshot
Housing market data for zip code 20148 in Loudoun County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
68 sales in 2026 (year to date)
Median Sale Price
$1,275,000
Days to Sell
20
Homes Sold
68
Inventory
49
Sale-to-List
101.0%
New Listings
114
Price/SqFt
$282
Pending Sales
82
Jumbo Loan Likely Needed
The median home in 20148 at $1,275,000 exceeds the 2026 conforming loan limit of $1,249,125 by $25,875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 20148 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 20148 (101.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 20148 at $1,275,000 exceeds the 2026 conforming loan limit of $1,249,125 by $25,875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 20148 are set at the county level.
2026 Loan Limits — Loudoun 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 20148
To purchase the median home at $1,275,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,919.
Monthly Payment
$9,919
Income Required
$425,085
Principal & Interest
$7,856/mo
Down Payment (5%)
$63,750
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 20148.
Estimated Monthly Payment
$8,041
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 20148. Tell us what you're looking for.