ZIP 20615 vs ZIP 20678

20615 is one of 12 ZIP codes that lie mostly in Calvert County, MD.

Shaded by typical home value, it ranks 6 of the 12 with a value.

20678 is one of 12 ZIP codes that lie mostly in Calvert County, MD.

Shaded by typical home value, it ranks 7 of the 12 with a value.

7 school locations in 20678: 2 elementary, 1 middle, 3 high, 1 other.

In alphabetical order: Barstow Elementary, Calvert Country School, Calvert County Alternative School, Calvert Elementary, and more on the ZIP page. Locations only — no ratings are shown here.

In February 2022 the typical home in 20615 was worth $432,802.

Values peaked at $493,686 in August 2026. The latest reading is the peak.

As of August 2026: $493,686, +4.8% over twelve months.

Start with the typical home: $493,686. Put 20% down and borrow $394,949 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,735 a month in principal and interest.

The median household here earns $191,944 a year, $15,995 a month. So the payment takes 17.1% 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 15.0% 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 $1,606.

In February 2022, with rates at 3.76%, it was $1,606.

By August 2026, at 6.67%, it was $2,540 — +58% since February 2022, while the home's value moved +14%.

Reported values rose +14% 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 $508,304. So the real change is −3%, not +14%.

20615: +14% since February 2022.

Calvert County: +11% since February 2022.

Maryland: +11% since February 2022 — 20615 ran ahead of it by 4 points.

Owning the typical home costs about $3,228 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,759 a month.

Price divided by a year's rent: 23.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 20678 was worth $186,206.

Values peaked at $477,526 in August 2026. The latest reading is the peak.

As of August 2026: $477,526, +1.6% over twelve months.

Start with the typical home: $477,526. Put 20% down and borrow $382,021 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,645 a month in principal and interest.

The median household here earns $118,288 a year, $9,857 a month. So the payment takes 26.8% 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 10.5% 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 $1,115.

In December 2020, with rates at 2.68%, it was $1,264.

By August 2026, at 6.67%, it was $2,457 — +94% since December 2020, while the home's value moved +22%.

Reported values rose +156% 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 $367,497. So the real change is +30%, not +156%.

20678: +157% since January 2000.

Calvert County: +176% since January 2000.

Maryland: +180% since January 2000 — 20678 ran behind it by 24 points.

Owning the typical home costs about $3,123 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,850 a month.

Price divided by a year's rent: 21.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 1 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 100% of it, and below it in 12 of the last 24 months.

Across Calvert County, builders pulled permits for 157 new homes in 2025.

Of those, 76% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

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 20 a month (Redfin, 3-month rolling data through August 2026). That is 80% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 42.

Going out — closed sales: about 15 a month. That is 60% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.8 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 5 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 15 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 19 — so sales ran at 79% of it, and below it in 24 of the last 24 months.

Across Calvert County, builders pulled permits for 157 new homes in 2025.

Of those, 76% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Calvert County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,344 moved in. Among the ten receiving the most, 1,166 moved out.

Net across those counties: +178 households. Beside it, homes for sale in this ZIP: 5 in June 2026.

Most arrivals came from Anne Arundel, MD (343 households); most departures went to St. Mary's, MD (315).

This ZIP sits in Calvert County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,344 moved in. Among the ten receiving the most, 1,166 moved out.

Net across those counties: +178 households. Beside it, homes for sale in this ZIP: 42 in June 2026.

Most arrivals came from Anne Arundel, MD (343 households); most departures went to St. Mary's, MD (315).