ZIP 20637 vs ZIP 20677

20637 is one of 22 ZIP codes that lie mostly in Charles County, MD.

Shaded by typical home value, it ranks 1 of the 21 with a value.

20677 is one of 22 ZIP codes that lie mostly in Charles County, MD.

Shaded by typical home value, it ranks 2 of the 21 with a value.

In January 2000 the typical home in 20637 was worth $231,984.

Values peaked at $592,445 in April 2025. The latest reading is −1.1% from that peak.

As of August 2026: $586,096, −0.8% over twelve months.

Start with the typical home: $586,096. Put 20% down and borrow $468,877 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,246 a month in principal and interest.

The median household here earns $149,821 a year, $12,485 a month. So the payment takes 26.0% 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 10.3% 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 $1,389.

In December 2020, with rates at 2.68%, it was $1,520.

By August 2026, at 6.67%, it was $3,015 — +98% since December 2020, while the home's value moved +25%.

Reported values rose +153% 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 $457,844. So the real change is +28%, not +153%.

20637: +153% since January 2000.

Charles County: +151% since January 2000.

Maryland: +180% since January 2000 — 20637 ran behind it by 28 points.

Owning the typical home costs about $3,833 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,578 a month.

Price divided by a year's rent: 18.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 20677 was worth $237,824.

Values peaked at $581,226 in March 2025. The latest reading is −0.9% from that peak.

As of August 2026: $575,891, −0.1% over twelve months.

Start with the typical home: $575,891. Put 20% down and borrow $460,713 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,190 a month in principal and interest.

The median household here earns $150,956 a year, $12,580 a month. So the payment takes 25.4% 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 $1,424.

In December 2020, with rates at 2.68%, it was $1,506.

By August 2026, at 6.67%, it was $2,963 — +97% since December 2020, while the home's value moved +24%.

Reported values rose +142% 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 $469,370. So the real change is +23%, not +142%.

20677: +142% since January 2000.

Charles County: +151% since January 2000.

Maryland: +180% since January 2000 — 20677 ran behind it by 38 points.

Owning the typical home costs about $3,766 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: 25.0. 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 11 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 39.

Going out — closed sales: about 9 a month.

The ladder: homes for sale ÷ monthly sales = 4.3 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 2 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 9 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 11 — so sales ran at 82% of it, and below it in 21 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 3 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 3 — so sales ran at 100% of it, and below it in 16 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: 39 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: 9 in June 2026.

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