Highland 20777

Howard County, MD · 1,259 properties · updated 7/26/2026

Should you buy here?buyer-timing lens

53affordability /100

Buyer leverage is seller advantage; weigh payment burden and the 3-lens valuation before bidding.

Payment burden

28.6%

stretched

Days on market

daily

Price cuts

0.0%

of active

Valuation

-80.7%

vs assessor

Look up an address

/100

mixed

warming · seller advantage · prices rising year-over-year.

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

Seller's Market

DOM: 66d (falling) · Market Dynamics rolling median · hourly

Score Components

Payment Burden (25%)25

Valuation Gap (25%)40

Supply & Demand (20%)40

Cancellation Rate (10%)0

Days on Market (5%)75

Seller-favored market in 20777. Expect to pay at or near list price. Payment burden: 28.3% of median income. Median days on market: 66.

Buyer Caution

Seller's market. Be prepared to pay near list price.

Competitive market similar to 2021-2022 — limited inventory driving prices above fundamentals.

WARMINGSELLER ADVANTAGE

Market is warming with rising prices. Sellers are firmly in control.

Address lookup$99 report path

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<iframe src="https://lotvox.com/embed/zip/20777" width="100%" height="300" style="border:0;border-radius:12px;overflow:hidden;max-width:640px" loading="lazy" title="Highland 20777 — Lotvox market card"></iframe>
<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/baltimore/zip/20777?utm_source=embed&utm_medium=backlink">Highland 20777 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshoteach number, once

Median price

$1,009,363

▴ 1.8% YoY

Days on market

daily · zip_data

Median rent

$2,099

county avg

Investor score

32/100

cash-flow lens

Active listings

90-day

Valuation3 lenses, different anchors

vs assessor

-80.7%

Market vs assessed value — a tax-roll lag, not a deal signal.

Avg assessor$194,350

county CAMA · properties_v

vs income

—

Fair-value model not available for this market.

fair_value_scores · 10-state coverage

vs county comps

+43.4%

County-wide market — the widest, slowest signal.

Howard+43.4%

Montgomery+36.5%

Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.

Pricing detail

Price / sqft$264

Price-to-income4.7×

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How 20777 ranks in MD

percentile vs all MD ZIPs

Comparative ranking not available for this ZIP.

Affordability, supply & momentum

67SUPPLY

Tight MarketSupply Tightness

Supply is below normal — sellers are favored but buyers still have options.

Months of Supply5.5 mo

Days on Market12d

Inv vs History+1.7%

Listing Density--

Market dynamics

Price cut %0.0%

Momentumwarming

LeverageSELLER ADVANTAGE

Months of supply5.5

Sales (90d)0

Investment analysis

Median rent$2,099

Price-to-rent40.1

Est. cap rate1.5%

Buy vs rentfavors renting

Livability

Walk score4

Transit score1

Bike score—

Historical trends

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Price bandsmix-shift

Price Bands — the median behind the median

A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Howard.

Current tiers · 12 months to Aug 25floor 10 sales/tier

1 tier had too few sales in this ZIP and are shown at county or metro level — see the stamp on each row. 6 tiers had too few sales at every level and are left blank rather than estimated.

Tier	Median	$/sqft	Sales	Share	Source
Under $250k	—	—	—	—	fewer than 10 sales at zip, county and metro level
$250k–$500k	$334k	$195	10	90.9%	METRO · Baltimore, MD
$500k–$750k	—	—	—	—	fewer than 10 sales at zip, county and metro level
$750k–$1M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$1M–$1.5M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$1.5M–$2M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$2M+	—	—	—	—	fewer than 10 sales at zip, county and metro level
All sales (the headline median)	$368k	$195	11	100%	METRO · Baltimore, MD

No mix-shift history for this area. no geography from this ZIP up to metro has 8+ quarters of 10+ recorded arms-length sales across at least 4 price tiers. Trends are drawn only from recorded transactions; the last-sale snapshot above cannot carry a time series, because a property that sold twice keeps only its latest sale — which drags the history upward through the tiers and would invent the very mix shift this section exists to test for.

National context — not local

NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 20777.

United States
South

Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.

Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.

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Howard County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

This ZIP code crosses county lines. Property data shows Howard (98%) and Montgomery (2%). County metrics below are shown separately for each county.

Howard (98%)

Montgomery (2%)

ZIP 20777→2 counties

12-Month Direction

+13Moderate Improvement

Confidence

100%

DeterioratingStableImproving

BuildersLens Market Intelligence

Market Score

40· Weak

Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.

Payment Burden55

27%

affordable

Source: Lotvox · Updated 2026-05-15

Buy vs Rent5

1.926x

rent advantage

Source: Lotvox · Updated 2026-05-15

Valuation23

+43.4%

overvalued

Source: Lotvox comps · Updated 2026-05-15

Supply/Demand0

1.5 mo

seller

Source: Lotvox MLS · Updated 2026-05-15

Insurance Risk

35/100

moderate

Source: FEMA/NFIP · Updated 2026-04

County distress indicators

ECONOMIC INDICATORS

Economic indicators remain stronger than national averages.

Unemployment Rate

Lower than most U.S. counties

Source: BLS LAUS · 2026-0667d ago

Poverty Rate

Lower than most U.S. counties

Median Household Income

Higher than most U.S. counties

Cost of Living (RPP)

Near national averages

Home Value (ZHVI)$638,752

County data: BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA · Coverage derived from property records · Counties with <2% coverage excluded as likely data errors