CALCMONEY // MORTGAGE // DC // WASHINGTON // 20009
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 20009 in Washington, DC. This is a high-net-worth enclave — most purchases require jumbo financing.
$1,250,000
$1,000,000
$8,149
$349,221/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $1,250,000 | $1,125,000 | $7,409 | $8,972 | 6.9% |
| 20% Down | $1,250,000 | $1,000,000 | $6,586 | $8,149 | 6.9% |
| 25% Down | $1,250,000 | $937,500 | $6,174 | $7,737 | 6.9% |
Total monthly includes principal & interest, property tax (1.1% annual), and estimated homeowners insurance. PMI not included.
Adams Morgan (ZIP 20009) sits within Washington, District of Columbia with a median home price of $1,250,000 — significantly above the Washington city-wide median of $612,000. At 80% LTV, the typical loan amount of $1,000,000 exceeds the 2026 conforming loan limit of $766,550, placing most purchases in jumbo territory. Jumbo loans typically require stronger credit scores, larger reserves, and may carry slightly different rate pricing.
Property taxes in ZIP 20009 run 1.1% annually, adding $1,146 per month on the median home. Median household income in this neighborhood is approximately $220,000, placing the price-to-income ratio at 5.7x. District of Columbia levies a state income tax, which reduces take-home pay and should be factored into your maximum monthly payment calculation.