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City · 7,051 residents · Montgomery County, Maryland

Darnestown , Maryland

In Darnestown, a typical home is worth $958,200 and typical rent is $3,501 a month. Compared with all of Montgomery County, typical household income is 75% higher, typical rent is 69% higher, and the share of households that own their home is 30 points higher.

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  • Typical home value

    $958,200

    50% above the county

    128% above Maryland

    • Darnestown
    • Montgomery
    • Maryland

  • Typical rent

    $3,501a month

    69% above the county

    105% above Maryland

    • Darnestown
    • Montgomery
    • Maryland

  • Typical household income

    $232,135a year

    75% above the county

    124% above Maryland

    • Darnestown
    • Montgomery
    • Maryland

  • Households that own their home

    95%

    30 points above the county

    28 points above Maryland

    • Darnestown
    • Montgomery
    • Maryland

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$1,006,683
1.6% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Darnestown is in Montgomery County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Montgomery County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Darnestown apart

What this place has that others do not, from public data, most unusual first.

  1. Darnestown has the highest typical rent of the 195 cities in Maryland with more than 5,000 people: $3,501.

  2. 95% of households in Darnestown own their home, against 65% in Montgomery County.

  3. Darnestown has the 3rd highest typical household income of the 202 cities in Maryland with more than 5,000 people ($232,135).

  4. Nearby, in Germantown, the typical home value is $422,400: 56% less than in Darnestown ($958,200).

  5. Darnestown has the 5th highest typical home value of the 202 cities in Maryland with more than 5,000 people ($958,200).

  6. Nearby, in Poolesville, the typical rent is $1,831: 48% less than in Darnestown ($3,501).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Darnestown

What homes there are in Darnestown, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Darnestown, 9 in 10 homes are single-family detached houses; in Montgomery County, 5.

Year built

The typical home in Darnestown was built in 1984, 4 years after the typical one in Montgomery County.

Homes in Darnestown are bigger: 97% have 3 bedrooms or more; in Montgomery County, 63%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$3,916 a month

Montgomery County: $2,929 a month

Without a mortgage

$1,163 a month

Montgomery County: $986 a month

Owners with a mortgage

80%

Montgomery County: 70%

In Darnestown, 80% of owners have a mortgage, and their typical cost is $3,916 a month, against $2,929 in Montgomery County. Without one it drops to $1,163.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Darnestown gained value more slowly than in Montgomery County: 29% since 2015–2019, against 32%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureDarnestownMontgomery CountyMarylandUnited States
Rental vacancy Unreliable estimate3.7%4.7%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room Unreliable estimate3.3%2.5%3.4%
People per household 3.012.722.572.53
Drive alone 57%53%65%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimate8%4%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 34%28%19%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Darnestown has 3.01 people, more than in Montgomery County (2.72).

Many people here do not commute at all: 34% work from home; in Montgomery County, 28%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Darnestown?

A typical home costs more than the typical income allows

We start with a typical home in Darnestown, worth $958,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Darnestown, which is $232,135 a year. For that payment to be 28% of income, a household would need to earn about $345,148 a year.

The calculator's FHA and conventional loan limits are those of all of Montgomery County.

Your numbers

Local data
$

Starts at the typical home value in Darnestown. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $33,537 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$8,053

at 7.18% · 30 years

Loan amount
$940,845
Total interest
$1,353,655
Paid off in
November 2056

Includes $16,182 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $5,416 a month

  • Tight

    $5,416 to $6,964 a month

  • Hard

    more than $6,964 a month

    Your payment · 42%

Compared with the typical household income in Darnestown ($232,135 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$8,053
Principal & interest$6,374
Property tax$703
Home insurance$399
FHA mortgage insurance (MIP)$578

You need at least $33,537 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Darnestown and Montgomery County

Darnestown is in Montgomery County, Maryland. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Darnestown's own numbers

Typical home value
$958,200
Typical monthly rent
$3,501
Typical yearly household income
$232,135
Households that own their home
95%
Effective property tax rate
0.88%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Montgomery County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$2,438
Price change over 5 years (FHFA)
+35%
Homes in a high flood-risk zone
0.1%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Montgomery County.

Everything about Montgomery County

Buying

Buying a home in Darnestown

A typical home in Darnestown is worth $958,200: 50% above the county and 128% above Maryland. With the typical household income in Darnestown ($232,135 a year), a typical home costs 4.1 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Darnestown 4.1 years
  • Montgomery 4.8 years
  • Maryland 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Montgomery County

According to FHFA’s house price index, home prices in Montgomery County rose 50% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Montgomery County.

Period County Maryland U.S.
Last year (2025) +1.3% +2.7% +2.9%
5 years (2020–2025) +35% +40% +47%
10 years (2015–2025) +50% +60% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Darnestown next to Montgomery County, Maryland and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Darnestown $958,200
  • Montgomery $640,300
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Darnestown $3,501
  • Montgomery $2,068
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Darnestown $232,135
  • Montgomery $132,450
  • Maryland $103,678
  • United States $80,734
See the full table
Darnestown next to Montgomery County and Maryland
Measure Darnestown Montgomery County Maryland U.S.
Typical home value $958,200 $640,300 $419,900 $332,700
Typical monthly rent $3,501 $2,068 $1,705 $1,413
Typical yearly household income $232,135 $132,450 $103,678 $80,734
Households that own their home 95% 65% 68% 65%
Typical yearly property tax $8,441 $5,539 $4,093 $3,119
Effective property tax rate 0.88% 0.87% 0.97% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Montgomery County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Darnestown

For a typical $958,200 home in Darnestown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Darnestown's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $8,053a month

    Least cash to close
    Down payment
    $33,537
    Cash to close
    $62,283
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $578

  • Conventional, 5% down $7,724a month

    Down payment
    $47,910
    Cash to close
    $76,656
    Rate
    7.18%
    Mortgage insurance
    PMI · $455

  • Conventional, 20% down, no PMI $6,295a month

    Down payment
    $191,640
    Cash to close
    $220,386
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $7,181a month

    Down payment
    $143,730
    Cash to close
    $172,476
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Darnestown and for Montgomery County.

Property tax

Effective rate in Darnestown

0.88%of the home’s value each year

$8,441 a year for the typical owner in Darnestown.

  • Darnestown 0.88%
  • Montgomery 0.87%
  • Maryland 0.97%

What Maryland publishes Homestead tax credit (cap on yearly assessment increases) (Maryland General Assembly (Annotated Code of Maryland, Tax-Property Article))

Exemptions and deadlines in Maryland

Flood risk in Montgomery County

FEMA does not publish these numbers by city: they are for all of Montgomery County.

Homes in the high-risk zone
0.1%
305
Of those, with NFIP insurance
51%
County Maryland U.S.
Homes in the high-risk zone 0.1% 1.2% 3.5%
Of those, with NFIP insurance 51% 74% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Darnestown

Typical rent in Darnestown is $3,501 a month: 69% above the county.

HUD publishes a fair market rent for all of Montgomery County, by unit size. To pay the 2-bedroom one ($2,438 a month) without spending more than 30% of your income, you would need to earn $46.88 an hour working full time.

HUD fair market rent for all of Montgomery County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $2,111 $40.60 $84,440
1 bedroom $2,204 $42.38 $88,160
2 bedrooms $2,438 $46.88 $97,520
3 bedrooms $3,107 $59.75 $124,280
4 bedrooms $3,658 $70.35 $146,320

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Darnestown

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Darnestown has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,420 in 20874 to $2,670 in 20878.

1 of the 2 is above the fair market rent for Montgomery County ($2,438).

  • 20874 $2,420$3,080
  • 20878 $2,670$3,400

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Darnestown when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Darnestown

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 3 HUD-approved agencies with an office in Montgomery County; 3 say they serve in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Darnestown

No down payment, repair or rent-help program on our list is for Darnestown or Montgomery County. The ones below are statewide in Maryland: they work in Darnestown the same as in the rest of the state.

Which programs do I qualify for? All programs in Maryland

  • MMP 1st Time Advantage

    Statewide in Maryland

    Maryland Mortgage Program mortgages for first-time buyers, with a deferred 0% second mortgage for the down payment: $6,000, or 3%, 4% or 5% of the loan. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Deferred

    See the program Official page

  • MMP Flex Loans

    Statewide in Maryland

    Maryland Mortgage Program mortgages for first-time buyers and for people who have owned a home before; Flex 6000 brings $6,000 and Flex 3% brings 3% of the loan for the down payment, as a deferred 0% second loan. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Deferred

    See the program Official page

  • Maryland SmartBuy

    Statewide in Maryland

    Maryland Mortgage Program loan of up to 15% of the price (maximum $25,000) to pay off your student debt when you buy a home; no interest or monthly payments, and forgiven after five years if you stay in the home. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Forgivable

    See the program Official page

Housing counselors near Darnestown

The HUD-approved agencies closest to the center of Darnestown, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Housing Initiative Partnership, Inc.(hip)

    12900 Middlebrook Road, Germantown · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 3 more
    (301) 916-5946

  • Housing Initiative Partnership, Inc.(hip)

    620 East Diamond Avenue, Gaithersburg · 8 miles away · Spanish

    Also serves in Portuguese.

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (301) 916-5946

  • Latino Economic Development Corporation

    12520 Prosperity Dr, Silver Spring · 19 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 1 more
    (202) 540-7426

Every agency in Montgomery County All counseling agencies in Maryland

Help in Spanish near Darnestown

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Darnestown

In HUD’s record, no housing authority with an office in Montgomery County is named for Darnestown or Montgomery County.

2 other authorities have an office in Montgomery County: see the list Source: HUD

Cities

Other cities in Montgomery County

These cities are also in Montgomery County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Montgomery County Housing in Maryland
See 24 more cities in Montgomery County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Darnestown, with the typical home value.

Neighboring counties

If Montgomery County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Darnestown.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Darnestown

Short answers with the numbers for Darnestown and all of Montgomery County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Darnestown?

The typical home value in Darnestown is $958,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Montgomery County it is $640,300.

How much does it cost to rent in Darnestown?

Typical rent in Darnestown is $3,501 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Montgomery County is $2,438.

What is the FHA loan limit in Darnestown?

Darnestown uses the FHA limit for all of Montgomery County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Darnestown?

The typical homeowner in Darnestown pays $8,441 a year, according to the U.S. Census Bureau. That is 0.88% of the home’s value; in Montgomery County, the rate is 0.87%.

Where can I find free help to buy or rent in Darnestown?

There are 3 HUD-approved counseling agencies with an office in Montgomery County. 3 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).