ZIP 20646 vs ZIP 20695

20646 is one of 22 ZIP codes that lie mostly in Charles County, MD.

Shaded by typical home value, it ranks 9 of the 21 with a value.

6 school locations in 20646: 2 elementary, 1 middle, 1 high, 2 other.

In alphabetical order: F. B. Gwynn Educational Center, La Plata High School, Mary H. Matula Elementary School, Milton M. Somers Middle School, and more on the ZIP page. Locations only — no ratings are shown here.

20695 is one of 22 ZIP codes that lie mostly in Charles County, MD.

Shaded by typical home value, it ranks 10 of the 21 with a value.

1 school location in 20695: 1 elementary.

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

In January 2000 the typical home in 20646 was worth $194,786.

Values peaked at $479,229 in December 2025. The latest reading is −0.6% from that peak.

As of August 2026: $476,266, −0.4% over twelve months.

Start with the typical home: $476,266. Put 20% down and borrow $381,013 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,638 a month in principal and interest.

The median household here earns $130,008 a year, $10,834 a month. So the payment takes 24.3% 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 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 $1,166.

In December 2020, with rates at 2.68%, it was $1,263.

By August 2026, at 6.67%, it was $2,450 — +94% since December 2020, while the home's value moved +22%.

Reported values rose +145% 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 $384,430. So the real change is +24%, not +145%.

20646: +145% since January 2000.

Charles County: +151% since January 2000.

Maryland: +180% since January 2000 — 20646 ran behind it by 36 points.

Owning the typical home costs about $3,114 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,547 a month.

Price divided by a year's rent: 15.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 20695 was worth $204,443.

Values peaked at $485,783 in January 2025. The latest reading is −2.5% from that peak.

As of August 2026: $473,724, −1.9% over twelve months.

Start with the typical home: $473,724. Put 20% down and borrow $378,979 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,624 a month in principal and interest.

The median household here earns $118,949 a year, $9,912 a month. So the payment takes 26.5% 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 11.4% 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 $1,224.

In December 2020, with rates at 2.68%, it was $1,265.

By August 2026, at 6.67%, it was $2,437 — +93% since December 2020, while the home's value moved +21%.

Reported values rose +132% 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 $403,489. So the real change is +17%, not +132%.

20695: +132% since January 2000.

Charles County: +151% since January 2000.

Maryland: +180% since January 2000 — 20695 ran behind it by 49 points.

Owning the typical home costs about $3,098 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,414 a month.

Price divided by a year's rent: 11.6. 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 53 a month (Redfin, 3-month rolling data through August 2026). That is 132% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 128.

Going out — closed sales: about 45 a month. That is 131% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.9 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 8 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 45 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 30 — so sales ran at 150% of it, and below it in 0 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).

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 34 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 109.

Going out — closed sales: about 34 a month. That is 136% of the 2015–2019 level for the same months. The drain is drawn 10% narrower: the share of homes for sale that sell each month is 90% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.2 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: listings and sales were even.

Homes sold: about 34 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 22 — so sales ran at 155% of it, and below it in 0 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: 128 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: 109 in June 2026.

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