What $445,000 Buys You in the DC Area

by Shilpi Paul

In What X Buys You this week, UrbanTurf takes a look at properties on the market in the $445,000 range to give readers an idea of what type of homes are available in this price point in the DC area.

What $445,000 Buys You in the DC Area: Figure 1

80s-Style Colonial in Silver Spring

We don’t see too many listings that were built in the 80s, so our interest was piqued by this Silver Spring colonial. Evidence of its age can be seen in the curved countertop, lack of moldings, and wood-paneled exterior. The backyard has a secret garden vibe, with a stone pathway and lush greenery on all sides. The bonus amenity of the listing? A hot tub near the deck.

What $445,000 Buys You in the DC Area: Figure 2

Kalorama Co-op With a Window Seat

For those in the market for a two-bedroom, this Kalorama co-op will check a lot of boxes, but is a bit on the small side. The bedrooms are tight but charming. The living area is also relatively small, but has enough nooks and corners to make it interesting. (We particularly liked the cushioned window seat.) The monthly fees are on the high side, but they do include property taxes.

  • Full Listing: 1832 Biltmore Street NW, #6 (map)
  • Price: $449,900
  • Bedrooms: Two
  • Bathrooms: One
  • Year Built: 1900
  • HOA fees: $602/month
  • Listing Agent: Phyllis Alexander, Long and Foster

What $445,000 Buys You in the DC Area: Figure 3

A Capitol Hill Loft With Short Walls

This unit is in Lovejoy Lofts, a former Capitol Hill school building that was converted into condos in 2003. Besides the historic building, exposed piping gives the unit a lofty feeling. Short walls that don’t quite reach the ceiling divide the main space into a living room, kitchen and master bedroom. A smaller second bedroom is tucked away off to the side.

  • Full Listing: 440 12th Street NE, #1 (map)
  • Price: $444,900
  • Bedrooms: Two
  • Bathrooms: One
  • Square Footage: 1,160
  • Condo fees: $383/month
  • Listing Agent: Pamela Kristof, RE/MAX Allegiance

See other articles related to: what x buys you, silver spring, kalorama, dclofts, capitol hill

This article originally published at https://dc.urbanturf.com/articles/blog/what_445000_buys_you_in_the_dc_area/6742


  1. Recent buyer said at 5:18 pm on Tuesday March 5, 2013:
    It seems inaccurate to list things side by side with drastically different condo fees (between $0 and $600). Every $100 in condo/HOA fees could buy at least $20k in extra house (not even counting the money saved in taxes). These homes seem to be effectively in different price ranges. It would be nice if this were taken into account with future "What X buys you" posts.
  1. Mark Wellborn said at 5:38 pm on Tuesday March 5, 2013:
    Recent buyer, The purpose of the What X Buys series is to provide a variety of listings on the DC-area market in one specific price point. The article wouldn’t be very interesting if we listed three two-bedroom units with similar fees side by side. As for the monthly fees for the two units listed here, they don’t actually vary that much in reality. The Capitol Hill unit has $380 monthly fees and monthly property taxes of $262 for a total of $642 a month. The Kalorama co-op has total monthly fees (including property taxes) of just over $600 a month. Thanks, Mark Wellborn Editor
  1. bone said at 5:44 pm on Tuesday March 5, 2013:
    Also, condo fees pay for things like insurance, some utilities (the biltmore st coop includes heat), and maintenance that homeowners would otherwise have to pay for themselves.
  1. Recent buyer said at 8:21 pm on Tuesday March 5, 2013:
    I understand your points and I think they mitigate the downsides of paying the condo fee vs. mortgage, but I thought the purpose of the feature was to give people a sense of what they could buy on a given budget. It might be more interesting to prioritize a diversity of properties, but how useful is that to anyone if they are not actually equally affordable.
  1. my 2 cents said at 1:30 am on Thursday March 7, 2013:
    Yuck. Those exposed pipes are ugly… and I like lofts. But lofts these aren’t. Exposed pipes only work when it’s a true loft (i.e. tall ceilings, big spaces, industrial feel). This place looks cheap and unfinished.
  1. Justin S said at 10:28 pm on Wednesday April 10, 2013:
    Recent Buyer has a valid point. When we're looking to buy, people getting a "standard" mortgage are approved based on total costs including taxes and condo fees. This article did a better job than it appeared at first glance, but by not explaining that the co-op's fees included taxes (while the condo's did not), an accidental apples-to-oranges comparison was made.

DC Real Estate Guides

Short guides to navigating the DC-area real estate market

We've collected all our helpful guides for buying, selling and renting in and around Washington, DC in one place. Visit guides.urbanturf.com or start browsing below!

Northern Virginia

Profiles of 14 neighborhoods across Northern Virginia

Looking to Give People A Reason to Stay Past 6pm
Happily Straddling the Line Between City and Suburb
Columbia Pike
Arlington’s Neglected Stepchild is Getting a Makeover
Crystal City
Turning Lemons into Lemonade
Lyon Village
Developing An Air of Exclusivity?
Hitting Its Growth Spurt
An Urban Village Hitting Its Stride
Del Ray
Virginia’s Small Town Near the Big City
Eisenhower Avenue
The Vibrancy Might Take a Few Years
The Quiet Neighborhood By the Beltway
Old Town
Mayberry By The Potomac
132 Commerical-Free Acres
Downtown Falls Church
Staying the Same in the Midst of Change
Tysons Corner
Radical Change Could Be On The Way

See more Northern Virginia »


Profiles of 14 neighborhoods in suburban Maryland

Small-Town Living in the State Capital
Bedroom Community Gets Buzzing Cache
Cabin John
In With The New While Maintaining the Old
Chevy Chase
Affluence, Green Lawns and Pricey Homes
Downtown Silver Spring
Experiencing a Resurgence After a Bumpy History
A Suburb on Steroids
Rockville Town Square
Despite the Dynamism, Still Somewhat Generic
Takoma Park
More Than a Little Bit Quirky
A Foodie Magnet on the Verge of Change
Capitol Heights
Kudzu, Front Porches and Crime
Glass Half Full or Half Empty?
Mount Rainier
Artists, Affordable Homes and A Silo Full of Corn
National Harbor
A Development Rises Next to the Potomac
Riverdale Park
A Town Looking For Its Identity

See more Maryland »

Northwest DC

30+ neighborhood profiles for the city's biggest quadrant

16th Street Heights
DC's Sleeper Neighborhood
Where (Almost) Everyone Knows Your Name
AU Park
One of DC’s Last Frontiers Before the Suburbs
DC’s Northern Neighborhood on the Cusp
DC’s 535 House Neighborhood
Cathedral Heights
Do You Know Where That Is?
Chevy Chase DC
Not to Be Confused With the Other Chevy Chase
Cleveland Park
Coming Back After A Rough Year
Columbia Heights
DC’s Most Diverse Neighborhood, But For How Long?
An Island of Serenity East of the Park
Dupont Circle
The Best of DC (For a Price)
Foggy Bottom & West End
Where the Institutional Meets the International
Forest Hills
Ambassadors and Adventurous Architecture
Foxhall Village
350 Homes Just West of Georgetown
Friendship Heights
A Shopping Mecca With a Few Places to Live
History, Hoyas and H&M
Glover Park
One of DC’s Preppier and More Family-Friendly Neighborhoods
A Posh View From Embassy Row
LeDroit Park
A Quiet Enclave in the Middle of the City
Logan Circle
Trendy Now, But Not By Accident
Mount Pleasant
Sought-After Homes Surround Main Street in Transition
Mount Vernon Triangle
From Seedy to Sought-After
The Long, Skinny Neighborhood at the City’s Northwest Edge
Park View
It’s Not Petworth
Penn Quarter/Chinatown
DC’s Go-Go-Go Neighborhood
Getting a Vibrancy of Its Own
The Duke’s Former Stomping Ground
Shepherd Park
DC’s Garden of Diversity
Spring Valley
A Suburb With a DC Zip Code
Not To Be Confused With Takoma Park
Not Quite Like Its Neighbors
U Street Corridor
The Difference a Decade Makes
Woodley Park
Deceptively Residential
Adams Morgan
No Longer DC’s Hippest Neighborhood, But Still Loved by Residents

See more Northwest DC »

Southwest DC

The little quadrant that could

Southwest Waterfront
A Neighborhood Where A Change Is Gonna Come

See more Southwest DC »

Northeast DC

Profiles of 10 neighborhoods in NE

New Development Could Shake Up Pastoral Peace
A Little Bit of Country Just Inside the District’s Borders
Not to Be Confused With Bloomingdale
Fort Totten
Five Years Could Make a Big Difference
H Street
A Place To Party, and To Settle Down
The Northeast Neighborhood That Few Know About
Michigan Park
A Newsletter-On-Your-Doorstep Community
Evolving from a Brand to a Neighborhood
Ripe for Investment Right About Now
The Difference 5 Years Makes
Big Houses, A Dusty Commercial Strip and Potential

See more Northeast DC »

Southeast DC

6 neighborhoods from Capitol Hill to East of the River

Capitol Riverfront
Still Growing
Hill East
Capitol Hill’s Lesser Known Neighbor
Congress Heights
Gradually Rising
Notable for Its Neighborliness
Historic Anacostia
Future Promise Breeds Cautious Optimism
Eastern Market
A More European Way of Living

See more Southeast DC »