Report date: July 2026Market data through: May 2026Report #SAMPLE-0001
🔔
Automated alert — July 14, 2026, 9:02 AM. EquityWatch monitoring detected a change in 20906 and generated this report the same morning. This is what subscribers receive the moment their market moves — not weeks later.
🟢 HOLD → 🟡 WATCH
1 What changed — and your new verdict
Your ZIP was rated 🟢 HOLD for 9 months. On July 14, the year-over-year price signal crossed its danger line, tripping the verdict to 🟡 WATCH.
WATCH
Why the alert fired: median prices in 20906 crossed from flat to –7.1% year-over-year in the latest data. As the sections below show, condo-mix effects overstate the decline — your home isn't losing value yet. But this is exactly the moment to know your numbers and have a plan, not six months from now.
3/8
Warning score
2 Your equity position
Estimated from your home's value trend and typical loan amortization. Connect your actual mortgage balance for precision.
Estimated home value
$412,000
▾ $9,300 (–2.2%) vs. 12 months ago
Estimated equity
$144,000
Mortgage balance ≈ $268,000
Loan 65%Your equity 35%
3 24-month value trend
Your home's estimated value against the 20906 ZIP median.
4 The five warning indicators
Each dot is your ZIP today. The tick mark is the danger threshold — trouble starts when dots cross ticks.
Months of supply2.8
Danger line: 4.0 — sellers still hold the pricing power here.
04.0 threshold8+
HEALTHY
Median price, year over year–7.1%
Tripped — but see section 5: mostly condo-mix, not house-value decline.
–10%–2% threshold+10%
TRIPPED
Price per square foot, YoY+8.6%
What buyers pay for the home itself — still rising in 20906.
–10%0%+10%
STRONG
Days on market46
Up 12 days vs. last year (+35%). Flags at +40% — close, worth watching.
faster+40% thresholdslower
WATCH
Active listings, YoY+31%
More competition is coming to market. Flags at +50%.
0%+50% threshold+100%
RISING
Reading the board: one red, two ambers, two greens. That's a market losing steam, not one falling apart. The verdict stays WATCH until a second indicator trips red.
5 What this actually means for you
Plain English, no hedging.
The –7.1% headline is mostly an illusion for houses like yours. 20906 includes a large stock of condos (especially around Leisure World), and more of them sold this year — dragging the ZIP's "typical price" down while price per square foot rose 8.6%. A single-family home in good condition is not down 7%.
But three things deserve your attention: homes take ~12 more days to sell than last year, listings are up 31%, and the DC region's federal job losses are still working through the market. If you're thinking of selling in the next 12–18 months, the data says sooner beats later — and pricing correctly on day one matters more than any year since 2019.
6 If you sold today: your net
Estimated walk-away cash at the current market value.
Estimated sale price$412,000
Agent commissions (~5%)– $20,600
Closing costs & transfer taxes (~2%)– $8,240
Mortgage payoff– $268,000
Prep & moving (typical)– $6,000
Estimated net proceeds$109,160
Every month the verdict holds at WATCH, history says this number moves by roughly ±$2–4K. That's what we monitor for you.
7 Your next step
A report tells you when to pay attention. A local expert tells you what your exact home would sell for this month.
Naomi Realtor® · Montgomery County, MD
NTRealty
Naomi will walk through this report with you, pull real comparable sales for your street, and give you a straight answer on timing — free, no obligation.
