CALCMONEY // MORTGAGE // MD // POTOMAC // 20817
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 20817 in Potomac, MD. This is a high-net-worth enclave — most purchases require jumbo financing.
$1,450,000
$1,160,000
$9,452
$405,097/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $1,450,000 | $1,305,000 | $8,595 | $10,407 | 6.9% |
| 20% Down | $1,450,000 | $1,160,000 | $7,640 | $9,452 | 6.9% |
| 25% Down | $1,450,000 | $1,087,500 | $7,162 | $8,975 | 6.9% |
Total monthly includes principal & interest, property tax (1.1% annual), and estimated homeowners insurance. PMI not included.
Potomac North (ZIP 20817) sits within Potomac, Maryland with a median home price of $1,450,000 — significantly above the Potomac city-wide median of $1,850,000. At 80% LTV, the typical loan amount of $1,160,000 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 20817 run 1.1% annually, adding $1,329 per month on the median home. Median household income in this neighborhood is approximately $255,000, placing the price-to-income ratio at 5.7x. Maryland levies a state income tax, which reduces take-home pay and should be factored into your maximum monthly payment calculation.