ZIP 20658 vs ZIP 20640

20658 is one of 22 ZIP codes that lie mostly in Charles County, MD.

Shaded by typical home value, it ranks 20 of the 21 with a value.

1 school location in 20658: 1 elementary.

In alphabetical order: Gale-Bailey Elementary School. Locations only — no ratings are shown here.

20640 is one of 22 ZIP codes that lie mostly in Charles County, MD.

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

5 school locations in 20640: 2 elementary, 2 middle, 1 high.

In alphabetical order: General Smallwood Middle School, Henry E. Lackey High School, Indian Head Elementary School, J. C. Parks Elementary School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 20658 was worth $146,637.

Values peaked at $375,907 in July 2025. The latest reading is −3.2% from that peak.

As of August 2026: $364,058, −3.0% over twelve months.

Start with the typical home: $364,058. Put 20% down and borrow $291,246 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,017 a month in principal and interest.

The median household here earns $97,177 a year, $8,098 a month. So the payment takes 24.9% 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 $878.

In December 2020, with rates at 2.68%, it was $986.

By August 2026, at 6.67%, it was $1,873 — +90% since December 2020, while the home's value moved +20%.

Reported values rose +148% 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 $289,403. So the real change is +26%, not +148%.

20658: +148% since January 2000.

Charles County: +151% since January 2000.

Maryland: +180% since January 2000 — 20658 ran behind it by 32 points.

Owning the typical home costs about $2,381 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,458 a month.

Price divided by a year's rent: 20.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 20640 was worth $146,693.

Values peaked at $351,486 in July 2025. The latest reading is −1.2% from that peak.

As of August 2026: $347,282, −1.1% over twelve months.

Start with the typical home: $347,282. Put 20% down and borrow $277,826 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,924 a month in principal and interest.

The median household here earns $95,560 a year, $7,963 a month. So the payment takes 24.2% 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 10.2% 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 $878.

In December 2020, with rates at 2.68%, it was $860.

By August 2026, at 6.67%, it was $1,787 — +108% since December 2020, while the home's value moved +31%.

Reported values rose +137% 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 $289,514. So the real change is +20%, not +137%.

20640: +137% since January 2000.

Charles County: +151% since January 2000.

Maryland: +180% since January 2000 — 20640 ran behind it by 44 points.

Owning the typical home costs about $2,271 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,363 a month.

Price divided by a year's rent: 12.2. 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 2 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 17 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 46.

Going out — closed sales: about 10 a month. The drain is drawn 39% narrower: the share of homes for sale that sell each month is 61% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.8 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 7 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 10 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 16 — so sales ran at 63% 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).

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: 7 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: 46 in June 2026.

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