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Downtown home prices and affordability, 2019 to 2025

Downtown home prices fell about 3% from 2019 to 2025, and with higher mortgage rates, buying the median home here now takes $566 more a month.

DC figures use qualified sales matched to current residential address records; some historical sales cannot be matched. Median sale prices describe the homes sold in each year, which may differ between years.

Home prices, 2019 to 2025−3%Our own index · DC +12%
Median sale, 2025$500,000was $524,500 in 2019
Monthly mortgage payment$2,555was $1,989 in 2019
Income to keep it under 30%$102,000was $80,000 in 2019

How prices moved

Downtown home prices fell about 3% while DC rose

On our own index, Downtown home prices fell 3% from 2019 to 2025, against 12% for DC as a whole, and we rate it high confidence.

The median sale moved by about the same, from $524,500 to $500,000. Our own index and the median sale measure different things, so in other neighborhoods they can tell different stories.

See DC home prices by neighborhood
Downtown−3%
DC+12%
−25%Our own index25%
High confidence

What it costs to buy now

$566 more a month than in 2019

With 20% down on the median sale, the monthly mortgage payment went from $1,989 in 2019 to $2,555 in 2025. Lower prices took $109 off, and the higher mortgage rate, 6.60% against 3.94% added $675.

The 20% down payment fell from $104,900 to $100,000.

2019
$1,989
2025
$2,555

Compare the neighborhoods next door

  • Downtown

    Prices since 2019
    −3%
    Payment in 2025
    $2,555
    Rise a month
    +$566

  • Shaw / Logan Circle

    Prices since 2019
    +3%
    Payment in 2025
    $3,743
    Rise a month
    +$1,335

  • Dupont Circle

    Prices since 2019
    +6%
    Payment in 2025
    $2,535
    Rise a month
    +$696

  • Le Droit Park

    Prices since 2019
    +1%
    Payment in 2025
    $3,730
    Rise a month
    +$1,114
All DC neighborhoods

Your number

What would Downtown cost you?

Change the down payment and rate to see the monthly mortgage payment on the median Downtown home.

Your monthly mortgage payment in Downtown$2,555$1,195 a month under your budget

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Monthly mortgage payment: principal and interest on a 30-year fixed loan on each neighborhood’s 2025 median sale; taxes and insurance not included.

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A model-generated estimate and analytical context, not investment advice. The estimated value comes from an automated valuation model (AVM). An AVM is an estimated sale price for a property. It is not the same as the opinion of value in an appraisal developed by a licensed appraiser under the Uniform Standards of Professional Appraisal Practice.

Questions about Downtown

How much have Downtown home prices changed since 2019?

On our own index, Downtown home prices fell about 3% from 2019 to 2025, against about 12% for DC as a whole. We rate the figure high confidence. The median sale went from $524,500 to $500,000.

How much does it cost to buy a home in Downtown?

The median Downtown home sold for $500,000 in 2025. With 20% down, $100,000, and a 30-year fixed loan at 6.60%, the monthly mortgage payment comes to $2,555 before taxes and insurance.

What income do you need to buy in Downtown?

About $102,000 a year for the median Downtown home, by a common rule of thumb that keeps the monthly mortgage payment at 30% of gross income. The same rule gave $80,000 in 2019. Lenders apply their own tests, and taxes and insurance come on top of the payment.

How much has the monthly mortgage payment in Downtown changed since 2019?

The monthly mortgage payment on the median Downtown home rose $566, from $1,989 in 2019 to $2,555 in 2025. Lower prices took $109 off, and the higher mortgage rate, 3.94% to 6.60%, added $675.

How does Downtown compare with DC?

The monthly mortgage payment on the median Downtown home was $2,555 in 2025, lower than the $3,704 on the median DC home. Since 2019 it rose $566, and DC’s rose $1,433.

What does the full cost to own a home add?

Property tax, insurance, HOA dues and upkeep come on top of the monthly mortgage payment shown here. A free account’s Cost to Own adds them up for a specific home, and three homes a month are free.

Home prices: our own index from DC Office of Tax and Revenue sales, 2019 to 2025. Monthly mortgage payment is principal and interest on the median sale with 20% down and a 30-year fixed loan, at each year’s average Freddie Mac rate (3.94% in 2019, 6.60% in 2025); taxes and insurance are not included. Sales: DC Office of Tax and Revenue.