ZIP 20612 vs ZIP 20625

20612 is one of 22 ZIP codes that lie mostly in Charles County, MD.

Shaded by typical home value, it ranks 18 of the 21 with a value.

20625 is one of 22 ZIP codes that lie mostly in Charles County, MD.

Shaded by typical home value, it ranks 19 of the 21 with a value.

In February 2022 the typical home in 20612 was worth $356,815.

Values peaked at $378,611 in June 2026. The latest reading is −0.2% from that peak.

As of August 2026: $377,724, +0.1% over twelve months.

Start with the typical home: $377,724. Put 20% down and borrow $302,179 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,092 a month in principal and interest.

The median household here earns $116,882 a year, $9,740 a month. So the payment takes 21.5% 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 20.3% in 2022.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in February 2022 (3.76%) the payment was $1,324.

In February 2022, with rates at 3.76%, it was $1,324.

By August 2026, at 6.67%, it was $1,943 — +47% since February 2022, while the home's value moved +6%.

Reported values rose +6% since February 2022.

General prices (CPI-U) rose +17% over the same span.

Divide one by the other: in August 2026 dollars, the 2022 home was worth $419,061. So the real change is −10%, not +6%.

20612: +6% since February 2022.

Charles County: +6% since February 2022.

Maryland: +11% since February 2022 — 20612 ran behind it by 5 points.

Owning the typical home costs about $2,470 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,920 a month.

Price divided by a year's rent: 16.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 20625 was worth $139,639.

Values peaked at $371,003 in April 2026. The latest reading is −0.3% from that peak.

As of August 2026: $370,041, +2.2% over twelve months.

Start with the typical home: $370,041. Put 20% down and borrow $296,033 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,050 a month in principal and interest.

The median household here earns $161,000 a year, $13,417 a month. So the payment takes 15.3% 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 5.8% 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 $836.

In December 2020, with rates at 2.68%, it was $910.

By August 2026, at 6.67%, it was $1,904 — +109% since December 2020, while the home's value moved +32%.

Reported values rose +165% 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 $275,592. So the real change is +34%, not +165%.

20625: +165% since January 2000.

Charles County: +151% since January 2000.

Maryland: +180% since January 2000 — 20625 ran behind it by 15 points.

Owning the typical home costs about $2,420 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,920 a month.

Price divided by a year's rent: 16.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 0 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 0% of it, and below it in 13 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 2 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 3 — so sales ran at 67% of it, and below it in 13 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: 2 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: 1 in June 2026.

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