Montgomery County, MD Average Home Price (2026)
The average home price in Montgomery County, Maryland is about $671,500 (the 2026 median across 44 ZIP codes, at ~$295/sq ft) — 52% more expensive than the Maryland median and 132% more expensive than the typical U.S. home.
How Montgomery County compares
Montgomery County is relatively expensive for housing nationally: its typical home costs $671,500 against $441,000 for Maryland and $289,000 for the U.S. Within the county, ZIP-level values run from about $381,000 to $1,284,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Montgomery County | $671,500 | $295 |
| Maryland | $441,000 | $233 |
| United States | $289,000 | $193 |
Cities in Montgomery County
Cities with their own home-value page, largest first:
Montgomery County home prices by ZIP code
The 15 most valuable ZIP codes in Montgomery County (of 44 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 20812 Glen Echo | $1,284,000 | $407 | +91% |
| 20817 Bethesda | $1,281,000 | $442 | +91% |
| 20816 Bethesda | $1,278,000 | $454 | +90% |
| 20854 Potomac | $1,263,000 | $375 | +88% |
| 20818 Cabin John | $1,240,000 | $542 | +85% |
| 20815 Chevy Chase | $1,150,000 | $446 | +71% |
| 20896 Garrett Park | $1,043,000 | $601 | +55% |
| 20861 Ashton | $947,000 | $282 | +41% |
| 20862 Brinklow | $900,000 | $239 | +34% |
| 20841 Boyds | $823,000 | $260 | +23% |
| 20860 Sandy Spring | $805,000 | $316 | +20% |
| 20833 Brookeville | $802,000 | $278 | +19% |
| 20895 Kensington | $790,000 | $369 | +18% |
| 20882 Gaithersburg | $786,000 | $235 | +17% |
| 20814 Bethesda | $762,000 | $379 | +13% |
Home value appreciation in Montgomery County
Home prices in Montgomery County have risen about 50% over the last 10 years (≈4.2% a year) and +43.9% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +1.3% — still rising. A home worth $671,500 today was worth roughly $446,476 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Maryland is +59.8% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Montgomery County
Run the numbers for Montgomery County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Montgomery County
To buy the typical $671,500 home in Montgomery County with 20% down, you need a household income of roughly $183,000 a year (about $4,260 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $217,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $33,600 | $5,300/mo | $227,000/yr |
| 10% (+PMI) | $67,200 | $5,060/mo | $217,000/yr |
| 20% | $134,300 | $4,260/mo | $183,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Montgomery County
At about $295 per square foot, here is roughly how much home different budgets get you in Montgomery County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $400k | 1360 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1690 sq ft | below the local median — condos, smaller or older homes |
| $600k | 2030 sq ft | around the typical home here |
| $750k | 2540 sq ft | around the typical home here |
| $1.00M | 3390 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Maryland.
Estimate a specific home in Montgomery County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Montgomery County home prices: frequently asked
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Browse all Maryland cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.