ZIP 20659

20659 is one of 26 ZIP codes that lie mostly in St. Mary's County, MD — 96% of its own area is in the county.

Shaded by typical home value, it ranks 12 of the 22 with a value.

5 school locations in 20659: 4 elementary, 1 middle.

In alphabetical order: Lettie Marshall Dent Elem, Margaret Brent Middle, Mechanicsville Elementary, Oakville Elementary, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 20659 was worth $161,934.

Values peaked at $442,292 in August 2026. The latest reading is the peak.

As of August 2026: $442,292, +3.3% over twelve months.

Start with the typical home: $442,292. Put 20% down and borrow $353,834 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,450 a month in principal and interest.

The median household here earns $117,571 a year, $9,798 a month. So the payment takes 25.0% of income — rated “affordable” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 9.2% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $970.

In December 2020, with rates at 2.68%, it was $1,164.

By August 2026, at 6.67%, it was $2,275 — +95% since December 2020, while the home's value moved +23%.

Reported values rose +173% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $319,593. So the real change is +38%, not +173%.

20659: +173% since January 2000.

St. Mary's County: +163% since January 2000.

Maryland: +180% since January 2000 — 20659 ran behind it by 7 points.

Owning the typical home costs about $2,892 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,350 a month.

Price divided by a year's rent: 15.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 25 a month (Redfin, 3-month rolling data through August 2026). That is 66% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 52.

Going out — closed sales: about 25 a month. That is 77% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.1 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 0 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 25 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 31 — so sales ran at 81% of it, and below it in 23 of the last 24 months.

Across St. Mary's County, builders pulled permits for 282 new homes in 2025.

Of those, 94% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in St. Mary's County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,403 moved in. Among the ten receiving the most, 1,119 moved out.

Net across those counties: +284 households. Beside it, homes for sale in this ZIP: 52 in June 2026.

Most arrivals came from Charles, MD (462 households); most departures went to Charles, MD (326).