Ashton 20861

Montgomery County, MD · 1,112 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

45affordability /100

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

Payment burden
33.6%
stretched
Days on market
42
daily
Price cuts
0.0%
of active
Look up an address
47
/100
mixed
stable · balanced · prices easing 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

60/ 100SellerBalancedBuyer
Negotiate Hard
Needs 10.7% correction for affordability
DOM: 86d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)60
Supply & Demand (20%)85
Cancellation Rate (10%)25
Days on Market (5%)75

Moderate buyer leverage in 20861. Room to negotiate 5-10% below list. Payment burden: 33.6% of median income. Median days on market: 86. Market appears 14% overpriced vs. assessed values.

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.
STABLEBALANCED

Market is holding steady with balanced conditions. Conditions are balanced between buyers and sellers.

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Market snapshoteach number, once

Median price
$976,217
▾ 0.9% YoY
Days on market
42
daily · zip_data
Median rent
$1,957
county avg
Investor score
28/100
cash-flow lens
Active listings
12
90-day

Valuation3 lenses, different anchors

vs assessor
—
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$0
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+36.8%
County-wide market — the widest, slowest signal.
Montgomery+36.8%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$234
Price-to-income5.5×

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How 20861 ranks in MD
percentile vs all MD ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

23SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply9.6 mo
Days on Market42d
Inv vs History+96.7%
Listing Density--
Market dynamics
Price cut %0.0%
Momentumstable
LeverageBALANCED
Months of supply9.6
Sales (90d)0
Investment analysis
Median rent$1,957
Price-to-rent41.6
Est. cap rate1.4%
Buy vs rentfavors renting

Livability

Walk score—
Transit score8
Bike score—

Historical trends

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Montgomery County contextmacro · jobs · debt · migration

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

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Washington DC Metro·Overpriced ZIPs·Investor ZIPs·View on Map·Montgomery County