Gaithersburg 20877

Montgomery County, MD · 7,369 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

44affordability /100

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

Payment burden
34%
stretched
Days on market
48
daily
Price cuts
14.2%
of active
Valuation
-6.3%
vs assessor
Look up an address
52
/100
mixed
cooling · 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

48/ 100SellerBalancedBuyer
Balanced Market
Needs 11.8% correction for affordability
DOM: 54d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)50
Cancellation Rate (10%)25
Days on Market (5%)60

Balanced market in 20877. List price is roughly fair — focus on condition and value. Payment burden: 34.0% of median income. Median days on market: 54. Renting is approximately 61% cheaper than buying (price-to-rent ratio: 19.3).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
COOLINGBALANCED

Market is cooling with expanding inventory. Conditions are balanced between buyers and sellers. Prices down 2.0% YoY.

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Market snapshoteach number, once

Median price
$482,481
▾ 2.0% YoY
Days on market
48
daily · zip_data
Median rent
$2,080
ZORI
Investor score
49/100
cash-flow lens
Active listings
54
90-day

Valuation3 lenses, different anchors

vs assessor
-6.3%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$452,175
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$237
Price-to-income5.6×

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How 20877 ranks in MD
percentile vs all MD ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

14SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply12.7 mo
Days on Market48d
Inv vs History+47.3%
Listing Density--
Market dynamics
Price cut %14.2%
Momentumcooling
LeverageBALANCED
Months of supply12.7
Sales (90d)0
Investment analysis
Median rent$2,080
Price-to-rent19.3
Est. cap rate3.4%
Buy vs rentneutral

Livability

Walk score4
Transit score24
Bike score

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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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