20176 — Loudoun County, Virginia Market Snapshot
Housing market data for zip code 20176 in Loudoun County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
194 sales in 2026 (year to date)
Median Sale Price
$892,275
Days to Sell
35
Homes Sold
194
Inventory
122
Sale-to-List
101.5%
New Listings
242
Price/SqFt
$288
Pending Sales
181
Conforming Loan Available
Most homebuyers in 20176 can comfortably use conventional financing. The median home price of $892,275 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
20176's market is balanced with homes taking an average of 35 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 20176 (101.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 20176 can comfortably use conventional financing. The median home price of $892,275 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 20176 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 20176
To purchase the median home at $892,275 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,986.
Monthly Payment
$6,986
Income Required
$299,414
Principal & Interest
$5,498/mo
Down Payment (5%)
$44,614
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 20176.
Estimated Monthly Payment
$5,672
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