Market Overview
Home Prices in Gaithersburg, MD
The median home value in Gaithersburg, MD is $529,016 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 2.1% compared to a year ago and up 1.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Gaithersburg are priced29% above average. Gaithersburg is part of the Washington-Arlington-Alexandria, DC-VA-MD-WV metro area.
Over the past five years, Gaithersburg home values have risen by approximately12.4%, reflecting steady appreciation in this market.
Price History
Gaithersburg Home Price Trend
City Comparison
Gaithersburg vs. National Median
At $529,016, homes in Gaithersburg cost 29% above the national median of $410,000. Buyers in Gaithersburg should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Gaithersburg?
20% Down Payment
$105,803
on $529,016
Monthly P&I
$2,759/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,504/mo
incl. taxes & insurance
Income Needed
$140,160
gross annual (30% rule)
10% Down Option
$52,902
+ PMI applies
Loan Amount (20% dn)
$423,213
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Gaithersburg, MD?
The median home value in Gaithersburg is $529,016 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 2.1% year-over-year.
How much have home prices changed in Gaithersburg?
Over the past year, home values in Gaithersburg have decreased by 2.1%. Over five years, prices have risen approximately 12.4%.
How much do I need to earn to buy a home in Gaithersburg?
To comfortably afford the median home price of $529,016 with a 20% down payment ($105,803) at today's rates (6.8%), you'd need a gross annual income of approximately $140,160. This assumes keeping total housing costs at or below 30% of gross income.
How does Gaithersburg compare to the national average home price?
The national median home value is approximately $410,000. At $529,016, homes in Gaithersburg are 29% above the national average.
What metro area is Gaithersburg part of?
Gaithersburg is part of the Washington-Arlington-Alexandria, DC-VA-MD-WV metropolitan area. Home prices and market conditions can vary across the broader metro region.