20695 — Charles County, Maryland Market Snapshot
Housing market data for zip code 20695 in Charles County, Maryland. Updated monthly with median prices, days on market, and more.
Market Sales Data
42 sales in 2026 (year to date)
Median Sale Price
$575,000
Days to Sell
65
Homes Sold
42
Inventory
37
Sale-to-List
99.6%
New Listings
38
Price/SqFt
$185
Pending Sales
52
Within Conforming Limit Estimate
At 5% down, the estimated base loan for the $575,000 median-priced home in 20695 is $546,250. The 2026 conforming limit is $1,249,125. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Market Temperature
The median listing-to-close time for the reported sales in 20695 is 65 days. Use this measure with the sale count, property type, condition, price range, and inventory. It does not predict competition or negotiation results for a specific home.
Sale-to-List Ratio
The reported average sale-to-list ratio in 20695 is 99.6%. This aggregate does not predict the sale price or appraisal for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $575,000 median-priced home in 20695 is $546,250. The 2026 conforming limit is $1,249,125. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 20695 are set at the county level.
2026 Loan Limits — Charles 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 20695
To purchase the median home at $575,000 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $4,783.
Monthly Payment
$4,783
Income Required
$204,989
Principal & Interest
$3,543/mo
Property Tax
$863/mo
Home Insurance
$150/mo
Estimated PMI
$228/mo
Down Payment (5%)
$28,750
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 20695.
Estimated Monthly Payment
$3,709
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
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