ZIP 20601 vs ZIP 20664

20601 is one of 22 ZIP codes that lie mostly in Charles County, MD — 84% of its own area is in the county.

Shaded by typical home value, it ranks 13 of the 21 with a value.

4 school locations in 20601: 2 elementary, 1 middle, 1 high.

In alphabetical order: John Hanson Middle School, J. P. Ryon Elementary School, Malcolm Elementary School, Thomas Stone High School. Locations only — no ratings are shown here.

20664 is one of 22 ZIP codes that lie mostly in Charles County, MD.

Shaded by typical home value, it ranks 14 of the 21 with a value.

2 school locations in 20664: 1 elementary, 1 middle.

In alphabetical order: Dr. Thomas L. Higdon Elementary School, Piccowaxen Middle School. Locations only — no ratings are shown here.

In January 2000 the typical home in 20601 was worth $172,302.

Values peaked at $441,005 in May 2025. The latest reading is −1.4% from that peak.

As of August 2026: $434,919, −1.2% over twelve months.

Start with the typical home: $434,919. Put 20% down and borrow $347,935 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,409 a month in principal and interest.

The median household here earns $120,278 a year, $10,023 a month. So the payment takes 24.0% 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 9.5% 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 $1,032.

In December 2020, with rates at 2.68%, it was $1,150.

By August 2026, at 6.67%, it was $2,238 — +95% since December 2020, while the home's value moved +22%.

Reported values rose +152% 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 $340,056. So the real change is +28%, not +152%.

20601: +152% since January 2000.

Charles County: +151% since January 2000.

Maryland: +180% since January 2000 — 20601 ran behind it by 28 points.

Owning the typical home costs about $2,844 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,109 a month.

Price divided by a year's rent: 17.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 20664 was worth $158,398.

Values peaked at $433,023 in March 2026. The latest reading is −1.3% from that peak.

As of August 2026: $427,485, +0.4% over twelve months.

Start with the typical home: $427,485. Put 20% down and borrow $341,988 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,368 a month in principal and interest.

The median household here earns $82,083 a year, $6,840 a month. So the payment takes 34.6% of income — rated “stretched” (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 12.8% 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 $948.

In December 2020, with rates at 2.68%, it was $1,145.

By August 2026, at 6.67%, it was $2,199 — +92% since December 2020, while the home's value moved +21%.

Reported values rose +170% 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 $312,615. So the real change is +37%, not +170%.

20664: +170% since January 2000.

Charles County: +151% since January 2000.

Maryland: +180% since January 2000 — 20664 ran behind it by 11 points.

Owning the typical home costs about $2,795 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,934 a month.

Price divided by a year's rent: 18.4. 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 39 a month (Redfin, 3-month rolling data through August 2026). That is 73% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 105.

Going out — closed sales: about 30 a month. That is 67% of the 2015–2019 level for the same months. The drain is drawn 16% narrower: the share of homes for sale that sell each month is 84% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.5 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 9 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 30 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 43 — so sales ran at 70% of it, and below it in 24 of the last 24 months.

Across Charles County, builders pulled permits for 935 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Homes sold: about 4 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 4 — so sales ran at 100% of it, and below it in 14 of the last 24 months.

Across Charles County, builders pulled permits for 935 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Charles County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 3,859 moved in. Among the ten receiving the most, 2,763 moved out.

Net across those counties: +1,096 households. Beside it, homes for sale in this ZIP: 105 in June 2026.

Most arrivals came from Prince George's, MD (2,187 households); most departures went to Prince George's, MD (1,208).

This ZIP sits in Charles County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 3,859 moved in. Among the ten receiving the most, 2,763 moved out.

Net across those counties: +1,096 households. Beside it, homes for sale in this ZIP: 16 in June 2026.

Most arrivals came from Prince George's, MD (2,187 households); most departures went to Prince George's, MD (1,208).