ZIP 20639 vs ZIP 20689

20639 is one of 12 ZIP codes that lie mostly in Calvert County, MD.

Shaded by typical home value, it ranks 3 of the 12 with a value.

4 school locations in 20639: 2 elementary, 1 middle, 1 high.

In alphabetical order: Huntingtown Elementary, Huntingtown High School, Plum Point Elementary, Plum Point Middle. Locations only — no ratings are shown here.

20689 is one of 12 ZIP codes that lie mostly in Calvert County, MD.

Shaded by typical home value, it ranks 4 of the 12 with a value.

1 school location in 20689: 1 elementary.

In alphabetical order: Sunderland Elementary. Locations only — no ratings are shown here.

In January 2000 the typical home in 20639 was worth $230,951.

Values peaked at $620,556 in August 2026. The latest reading is the peak.

As of August 2026: $620,556, +1.2% over twelve months.

Start with the typical home: $620,556. Put 20% down and borrow $496,445 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,437 a month in principal and interest.

The median household here earns $153,375 a year, $12,781 a month. So the payment takes 26.9% 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 10.0% 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 $1,383.

In December 2020, with rates at 2.68%, it was $1,659.

By August 2026, at 6.67%, it was $3,193 — +92% since December 2020, while the home's value moved +21%.

Reported values rose +169% 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 $455,806. So the real change is +36%, not +169%.

20639: +169% since January 2000.

Calvert County: +176% since January 2000.

Maryland: +180% since January 2000 — 20639 ran behind it by 12 points.

Owning the typical home costs about $4,058 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,211 a month.

Price divided by a year's rent: 42.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 20689 was worth $210,223.

Values peaked at $584,171 in August 2026. The latest reading is the peak.

As of August 2026: $584,171, +0.9% over twelve months.

Start with the typical home: $584,171. Put 20% down and borrow $467,337 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,236 a month in principal and interest.

The median household here earns $174,583 a year, $14,549 a month. So the payment takes 22.2% 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 8.0% 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 $1,259.

In December 2020, with rates at 2.68%, it was $1,554.

By August 2026, at 6.67%, it was $3,005 — +93% since December 2020, while the home's value moved +22%.

Reported values rose +178% 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 $414,897. So the real change is +41%, not +178%.

20689: +178% since January 2000.

Calvert County: +176% since January 2000.

Maryland: +180% since January 2000 — 20689 ran behind it by 3 points.

Owning the typical home costs about $3,820 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: 27.7. 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 20 a month (Redfin, 3-month rolling data through August 2026). That is 71% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 51.

Going out — closed sales: about 15 a month. That is 52% of the 2015–2019 level for the same months. The drain is drawn 13% narrower: the share of homes for sale that sell each month is 87% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.4 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 22 — so sales ran at 68% of it, and below it in 17 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).

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

The 2015–2019 level for the same month was 2 — so sales ran at 50% of it, and below it in 10 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: 51 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: 4 in June 2026.

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