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City · 5,764 residents · Montgomery County, Maryland

Poolesville , Maryland

In Poolesville, a typical home is worth $752,300 and typical rent is $1,831 a month. Compared with all of Montgomery County, typical household income is 55% higher, the typical home value is 17% higher, and the share of households that own their home is 30 points higher.

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  • Typical home value

    $752,300

    17% above the county

    79% above Maryland

    • Poolesville
    • Montgomery
    • Maryland

  • Typical rent

    $1,831a month

    11% below the county

    7% above Maryland

    • Poolesville
    • Montgomery
    • Maryland

  • Typical household income

    $205,919a year

    55% above the county

    99% above Maryland

    • Poolesville
    • Montgomery
    • Maryland

  • Households that own their home

    95%

    30 points above the county

    27 points above Maryland

    • Poolesville
    • Montgomery
    • Maryland

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

Market now, with Zillow data

Zillow data
Typical home value
$717,872
about the same as 12 months ago

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

Poolesville 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 Poolesville apart

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

  1. 95% of households in Poolesville own their home, against 65% in Montgomery County.

  2. The typical household income in Poolesville is $205,919, 55% more than in Montgomery County as a whole ($132,450).

  3. Nearby, in Germantown, the typical home value is $422,400: 44% less than in Poolesville ($752,300).

  4. Poolesville has the 10th highest typical home value of the 202 cities in Maryland with more than 5,000 people ($752,300).

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

The homes here

Housing in Poolesville

What homes there are in Poolesville, 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

The detached house rules in Poolesville: 87% of homes, more than in Montgomery County (47%).

Year built

There is more room for a big family here: 97% of homes have 3 bedrooms or more, against 63% in Montgomery County.

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

$2,980 a month

Montgomery County: $2,929 a month

Without a mortgage

$969 a month

Montgomery County: $986 a month

Owners with a mortgage

81%

Montgomery County: 70%

In Poolesville, 81% of owners have a mortgage; their typical cost is $2,980 a month, about the same as in Montgomery County.

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

Since 2015–2019, homes in Poolesville gained value faster than in Montgomery County: 58% against 32%.

Since 2015–2019, the typical rent in Poolesville did not change clearly, according to the Census.

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

MeasurePoolesvilleMontgomery 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 2.832.722.572.53
Drive alone 58%53%65%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimate8%4%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 36%28%19%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

A household in Poolesville has 2.83 people on average, about the same as in Montgomery County (2.72).

In Poolesville, 36% of workers work from home, more than 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 Poolesville?

A typical home is tight for the typical income

We start with a typical home in Poolesville, worth $752,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Poolesville, which is $205,919 a year. For that payment to be 28% of income, a household would need to earn about $263,647 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 Poolesville. 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 $26,331 (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

$6,152

at 7.18% · 30 years

Loan amount
$738,673
Total interest
$1,062,778
Paid off in
November 2056

Includes $12,704 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,805 a month

  • Tight

    $4,805 to $6,178 a month

    Your payment · 36%

  • Hard

    more than $6,178 a month

Compared with the typical household income in Poolesville ($205,919 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,152
Principal & interest$5,004
Property tax$502
Home insurance$314
FHA mortgage insurance (MIP)$333

You need at least $26,331 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

Poolesville and Montgomery County

Poolesville 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).

Poolesville's own numbers

Typical home value
$752,300
Typical monthly rent
$1,831
Typical yearly household income
$205,919
Households that own their home
95%
Effective property tax rate
0.8%

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 Poolesville

A typical home in Poolesville is worth $752,300: 17% above the county and 79% above Maryland. With the typical household income in Poolesville ($205,919 a year), a typical home costs 3.7 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.

  • Poolesville 3.7 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

Poolesville 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
  • Poolesville $752,300
  • Montgomery $640,300
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Poolesville $1,831
  • Montgomery $2,068
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Poolesville $205,919
  • Montgomery $132,450
  • Maryland $103,678
  • United States $80,734
See the full table
Poolesville next to Montgomery County and Maryland
Measure Poolesville Montgomery County Maryland U.S.
Typical home value $752,300 $640,300 $419,900 $332,700
Typical monthly rent $1,831 $2,068 $1,705 $1,413
Typical yearly household income $205,919 $132,450 $103,678 $80,734
Households that own their home 95% 65% 68% 65%
Typical yearly property tax $6,056 $5,539 $4,093 $3,119
Effective property tax rate 0.8% 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 Poolesville

For a typical $752,300 home in Poolesville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Poolesville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,152a month

    Least cash to close
    Down payment
    $26,331
    Cash to close
    $48,900
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $333

  • Conventional, 5% down $6,014a month

    Down payment
    $37,615
    Cash to close
    $60,184
    Rate
    7.18%
    Mortgage insurance
    PMI · $357

  • Conventional, 20% down, no PMI $4,892a month

    Down payment
    $150,460
    Cash to close
    $173,029
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,588a month

    Down payment
    $112,845
    Cash to close
    $135,414
    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 Poolesville and for Montgomery County.

Property tax

Effective rate in Poolesville

0.8%of the home’s value each year

$6,056 a year for the typical owner in Poolesville.

  • Poolesville 0.8%
  • 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 Poolesville

Typical rent in Poolesville is $1,831 a month: 11% below 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 Poolesville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Poolesville is in ZIP code 20837.

For 2 bedrooms it is $2,480: $42 more than the fair market rent for Montgomery County ($2,438).

  • 20837 $2,480$3,160

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Poolesville 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 Poolesville

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Poolesville

No down payment, repair or rent-help program on our list is for Poolesville or Montgomery County. The ones below are statewide in Maryland: they work in Poolesville 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 Poolesville

The HUD-approved agencies closest to the center of Poolesville, 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 · 8 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 · 12 miles away · Spanish

    Also serves in Portuguese.

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

  • The City of Frederick

    100 S Market St, Frederick · 19 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (301) 600-1506

Every agency in Montgomery County All counseling agencies in Maryland

Help in Spanish near Poolesville

2 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 Poolesville

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

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Poolesville

Short answers with the numbers for Poolesville 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 Poolesville?

The typical home value in Poolesville is $752,300, 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 Poolesville?

Typical rent in Poolesville is $1,831 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 Poolesville?

Poolesville 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 Poolesville?

The typical homeowner in Poolesville pays $6,056 a year, according to the U.S. Census Bureau. That is 0.8% of the home’s value; in Montgomery County, the rate is 0.87%.

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

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).