Updated November 2026. Numbers below come from Zillow Research, Maryland REALTORS, the 2020 Census, Maryland law, the state housing department and Montgomery County, all read November 10, 2026.
Selling a Silver Spring, Maryland home without a listing agent is allowed, and whether you hire one is your call. As of November 2026, Beycome puts it on Bright MLS for $99, with $0 owed to Beycome at closing. If you own a condo, plan around one date: the buyer needs the association’s resale package at least 15 days before closing.
Jump to: 💲 Prices · 🏢 Condo resale · 📍 Historic homes · 🪜 Deed taxes · 🏠 Listing · ❓ FAQ
Key takeaways
- Zillow put a typical Silver Spring home at $536,300 on September 30, 2026, flat over the year (down 0.1%).
- About 65% of occupied homes in Silver Spring were rented in the 2020 Census, so many sellers are owners of rented units.
- Since October 1, 2026, a Maryland condo or HOA can charge no more than $330.17 for the resale documents.
- A condo buyer can walk away within 7 days after getting the full package, and that right can’t be waived.
- On a $536,300 sale, county and state deed taxes add up to about $12,987 before any exemption.
How much are Silver Spring homes selling for?
Zillow’s index had a typical Silver Spring home at $536,300 at the end of September 2026. That’s almost exactly where it stood a year earlier. Just next door, Takoma Park came in at $669,700 and Kensington at $786,600. Burtonsville, farther up Route 29, was $465,800.
Silver Spring isn’t a city with its own government. It’s a census area of 81,015 people inside Montgomery County. The 2020 Census counted 35,150 housing units there. Only 34.8% of occupied units were lived in by their owners, and 65.2% were rented. That tells you a lot about who sells here: plenty of condo owners, and plenty of landlords selling a unit with a lease on it.
| September 2026 | Montgomery County | Prince George’s County | Maryland |
|---|---|---|---|
| Median sale price | $610,000 (+1.8%) | $450,000 (no change) | $432,000 (+0.5%) |
| Homes sold | 681 (-9.4%) | 565 (-12.7%) | 5,169 (-7.8%) |
| Active listings | 2,447 (+27.2%) | 2,340 (+23.9%) | 18,748 (+21.3%) |
| Months of supply | 3.0 (was 2.4) | 3.7 (was 2.7) | 3.5 (was 2.8) |
| Median days on market | 22 (same) | 24 (was 25) | 20 (was 17) |
We put Prince George’s next to Montgomery because many east Silver Spring buyers shop both. Both counties have a lot more homes for sale than a year ago, and fewer closed sales. County medians mix every kind of home, so they sit above or below Silver Spring’s number. Price from recent sales in your own building or street.
What do you owe a buyer when you sell a Silver Spring condo?
Maryland’s Condominium Act, Real Property § 11-135, sets the rules for resale. Your contract has to carry a notice, in conspicuous type, telling the buyer what you’ll deliver. Then you must hand over the package no later than 15 days before closing. Skip either step and the contract isn’t enforceable.
The package has two parts. One comes from the condo’s council of unit owners. The other is your own statement.
| Part of the package | Who supplies it | What’s in it |
|---|---|---|
| Declaration, bylaws, rules | The association | The building’s governing papers (no plats needed). |
| Resale certificate | The association | Monthly fee, unpaid dues, approved capital projects, budget and reserve study, insurance, lawsuits, known code violations. |
| Owner’s statement | You | Any alteration that breaks the rules, code violations in your unit, an extended lease, and asbestos you know about. |
| Deductible notice | You | Your share of the association’s insurance deductible, with the amount. |
Order the certificate early. The association has 20 days after your written request to produce it. The Maryland Department of Housing and Community Development sets the fee cap every two years, and from October 1, 2026, it’s $330.17, never more than the actual cost. The law also allows up to $100 for a unit inspection, plus a rush fee of up to $50 for delivery within 14 days or $100 within 7 days.
A tiny building is simpler. In a condo with fewer than 7 units, you give the governing papers, your own common-element expenses for the past 12 months and the deductible notice. No full certificate is needed.
The 7-day exit buyers get
Once the buyer has everything, they have 7 days to cancel in writing, for any reason. They get their deposit back. The contract can’t take that right away. It ends if they go ahead to closing. So a late package means a late finish line. Send it as soon as the contract is signed.
Some protection runs your way too. You aren’t liable for wrong information the association puts in its certificate, or for its delay. The buyer also can’t be charged unpaid dues above the amount the certificate shows. What you write yourself is on you, so answer the owner’s questions with care.
Selling a unit with a tenant in it
Lots of Silver Spring homes are rented, so this comes up often. The owner’s statement asks if the unit is under an extended lease under § 11-137 or local law. If it is, you attach a copy. Read your lease before you list. Then decide whether you’re selling to an investor who keeps the tenant, or to an owner who’ll move in after the lease ends.
Is your Silver Spring home in a historic area?
It’s worth checking before you write the listing. Montgomery County keeps a Master Plan for Historic Preservation. Designated sites and districts fall under Chapter 24A of the County Code. The county reviews exterior changes to them. A home listed only on the National Register is different. The county’s planners call that listing “primarily honorific,” and it doesn’t stop an owner from altering or tearing down the house.
Rock Creek Woods shows how this plays out. It’s a Silver Spring neighborhood about a mile north of Kensington, with 76 modern houses designed by Charles Goodman and built from 1958 to 1961. It joined the National Register in 2004. In February 2026, residents asked Montgomery Planning to study it for county designation, and the planners expect to start in winter 2026/2027.
If you sell there, a buyer may ask what that study could mean for an addition or new windows. Be plain about it: county designation isn’t decided, it would add review of exterior work, and it could open local preservation tax credits. Maryland’s disclosure form asks the same thing in question 21, which covers a “Designated Historic District.”
How much are deed taxes on a Silver Spring sale?
Three taxes are due when the deed is recorded. Montgomery County’s transfer tax is typically 1% of the price. Maryland’s transfer tax is 0.5%. County recordation tax is $8.90 per $1,000, counted in $500 steps, up to $500,000. Above that, a premium of $2.30 per $500 applies to the part between $500,000 and $600,000, and $5.75 per $500 from $600,000 to $750,000.
Under Real Property § 14-104, buyer and seller are presumed to split these taxes evenly unless the contract says otherwise. A first-time Maryland buyer who’ll live in the home flips that. You pay the whole state tax, at 0.25% instead of 0.5%, and also the county transfer and recordation taxes, unless the contract expressly says the buyer pays them.
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On homes listed by other agents, Beycome credits you up to 2% of the price at closing (1% kept, $1,499 minimum; not on FSBO homes or homes listed by Beycome sellers).
Buy a home →| Our math, before exemptions | $300,000 condo (example) | $536,300 home |
|---|---|---|
| County transfer tax (1%) | $3,000 | $5,363 |
| Maryland transfer tax (0.5%) | $1,500 | $2,681.50 |
| County recordation tax | $2,670 | $4,942.75 |
| Total, standard buyer | $7,170 | $12,987.25 |
| Your half, standard buyer | $3,585 | about $6,494 |
| Your share, first-time Maryland buyer | $6,420 | $11,646.50 |
The $300,000 condo is an example price, not a Silver Spring average. On the first-time line, a county council staff memo notes that the first $100,000 of a first-time buyer’s price is exempt from recordation tax. The county also mentions an $890 exemption that may apply to owner-occupied homes. Your settlement company confirms which ones fit and runs the final numbers.
Next to those taxes, a 3% listing commission on $536,300 would be $16,089, while Beycome Basic is $99. The 3% is just an example. Commissions aren’t set by law or NAR rules, and they’re fully negotiable. You choose whether to offer a buyer’s agent any pay, and how much. Since August 17, 2024, such offers can’t be shown on the MLS.
Listing a Silver Spring home with Beycome
Your listing goes to the major home search sites and the MLS, through Bright MLS in Maryland. Our Silver Spring flat fee page shows Basic at $99. Enhanced is $399 and Concierge is $1,399, and none of them adds a Beycome fee at closing. Once the questionnaire is complete, the listing is usually live within hours, and two business days is the outer limit. A Maryland listing runs up to 12 months.**
Every package includes e-signature, unlimited listing changes, ShowingTime where the MLS offers it, Artur AI for offers and no cancellation fee.* Maryland’s state forms are in your dashboard under Legal Forms. If you’d like someone working with you through the condo package and the contract, Concierge gives you a dedicated expert 7 days a week, while every decision stays yours. Support runs 7 days a week, with Artur AI 24/7.
A local agent is a fair choice too, especially for a historic home or a tenant-occupied unit. Beycome is an alternative to the traditional way, not a fight with it. Our sellers close every day with local agents, brokers and title companies on the other side. You’ll pick a Maryland title company or attorney either way, since Beycome Title doesn’t operate in Maryland.
Buying your next place nearby? The Silver Spring buyer program is open to every buyer on homes listed by other agents. Beycome keeps 1% of the price, minimum $1,499, and credits you the rest of the buyer-agent commission at closing (the commission credit can’t apply where no buyer-agent commission is offered, like most FSBO homes, or on homes listed by Beycome sellers).
22,000+ homeowners have saved over $225 million with us, and that’s a home sold every 30 minutes (Beycome internal data, October 2026). For more, read the Maryland selling guide, the county’s house rules in our Germantown, MD guide (radon test, energy bills, tax estimate), how listing on the MLS works without an agent, or the Washington, DC guide if you’re weighing a move across the line.
Silver Spring seller questions
Do I need a realtor to sell my house in Silver Spring, MD?
No, it’s not required; it’s your choice. An agent handles pricing, marketing, showings and talks with buyers for a fee you agree on. On your own, you handle those steps, Maryland’s disclosure form and, for a condo, the resale package.
When do I have to give the condo documents to my buyer?
No later than 15 days before closing, under Real Property § 11-135. The buyer can then cancel within 7 days after getting everything, so it’s smart to deliver right after the contract is signed.
How much can my condo association charge for the resale certificate?
Up to $330.17 from October 1, 2026, and never more than its actual cost. It may add up to $100 for an inspection and a rush fee of up to $50 or $100 for faster delivery.
Who pays transfer taxes on a Silver Spring home sale?
By default, buyer and seller split them evenly. If the buyer is a first-time Maryland buyer who’ll live there, you pay the state tax and, unless the contract says otherwise, the county transfer and recordation taxes too.
Does a National Register listing limit what a buyer can do to my house?
No. Montgomery Planning describes the National Register as primarily honorific. County designation is what adds review of exterior changes, as with sites in the Master Plan for Historic Preservation.
Which MLS does Beycome use in Silver Spring?
Bright MLS. Basic is $99 with $0 owed to Beycome at closing, and a Maryland listing can run up to 12 months.
Prices as of November 10, 2026: Beycome Basic $99, Enhanced $399 and Concierge $1,399 in Maryland. “$0 at closing” means no Beycome fee at closing. Deed taxes, title fees, association balances, tax adjustments and any buyer-agent pay you agree to still apply.
* Cancel free: no cancellation fee (Georgia MLS charges $25); listings under contract can’t be canceled; no refund once listed. ** Listing term is the maximum the state and MLS allow (24 months; 12 in MD and PA).
Buyer credit: Beycome keeps 1% of the price (minimum $1,499); lender approval may be needed.
Commission figures are examples only. Commissions are not set by law or NAR rules and are negotiable. Tax figures are our own math from published rates and can change. General information, not legal or tax advice.
Sources (all read November 10, 2026)
- Zillow Research, Home Value Index, September 2026.
- Maryland REALTORS, Housing Statistics, September 2026 (data current as of October 12, 2026).
- Maryland Department of Planning, 2020 Census profile, Silver Spring CDP.
- Maryland Real Property § 11-135, condominium resales.
- Maryland DHCD, condo and HOA document fee adjustment (effective October 1, 2026).
- Montgomery Planning, Rock Creek Woods historic designation study.
- Montgomery County Master Plan for Historic Preservation.
- MC311, county transfer and recordation tax (updated May 19, 2026).
- Montgomery County Council, Bill 17-23 action packet, recordation tax.
- Maryland Tax-Property § 13-203 and Real Property § 14-104.
- Maryland Real Property § 10-702 and Disclosure and Disclaimer Statement, rev. August 3, 2026.
- NAR settlement FAQs.
- Beycome, Silver Spring page and listing package features.
Disclosure & Disclaimer
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Articles are provided for general informational and educational purposes only, not as financial, tax, legal, or investment advice or a recommendation for your particular situation. Reading this blog does not create a brokerage, advisory, or other professional relationship.
Information, opinions, pricing, service descriptions, and comparisons reflect the sources and information available when an article was published or last updated and may change. Although we aim for accuracy, we do not guarantee that all content is complete, current, or applicable to your circumstances. Laws, market conditions, and service availability vary by location. Examples and estimated savings are illustrative, depend on stated assumptions, and do not guarantee individual results.
Verify relevant information directly and consult qualified professionals before making decisions. Beycome services are subject to applicable agreements, eligibility requirements, and state-specific terms.
