ZIP 20688 vs ZIP 20685

20688 is one of 12 ZIP codes that lie mostly in Calvert County, MD.

Shaded by typical home value, it ranks 8 of the 12 with a value.

20685 is one of 12 ZIP codes that lie mostly in Calvert County, MD.

Shaded by typical home value, it ranks 9 of the 12 with a value.

1 school location in 20685: 1 elementary.

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

In January 2000 the typical home in 20688 was worth $188,643.

Values peaked at $464,150 in March 2026. The latest reading is −1.2% from that peak.

As of August 2026: $458,419, −1.0% over twelve months.

Start with the typical home: $458,419. Put 20% down and borrow $366,735 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,539 a month in principal and interest.

The median household here earns $88,902 a year, $7,409 a month. So the payment takes 34.3% of income — rated “stretched” (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 14.1% 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 $1,130.

In December 2020, with rates at 2.68%, it was $1,211.

By August 2026, at 6.67%, it was $2,358 — +95% since December 2020, while the home's value moved +23%.

Reported values rose +143% 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 $372,306. So the real change is +23%, not +143%.

20688: +143% since January 2000.

Calvert County: +176% since January 2000.

Maryland: +180% since January 2000 — 20688 ran behind it by 37 points.

Owning the typical home costs about $2,998 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,868 a month.

Price divided by a year's rent: 13.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 20685 was worth $154,449.

Values peaked at $458,335 in May 2026. The latest reading is −0.2% from that peak.

As of August 2026: $457,580, +1.4% over twelve months.

Start with the typical home: $457,580. Put 20% down and borrow $366,064 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,535 a month in principal and interest.

The median household here earns $122,059 a year, $10,172 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 8.4% 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 $925.

In December 2020, with rates at 2.68%, it was $1,174.

By August 2026, at 6.67%, it was $2,354 — +101% since December 2020, while the home's value moved +26%.

Reported values rose +196% 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 $304,821. So the real change is +50%, not +196%.

20685: +196% since January 2000.

Calvert County: +176% since January 2000.

Maryland: +180% since January 2000 — 20685 ran ahead of it by 16 points.

Owning the typical home costs about $2,992 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,600 a month.

Price divided by a year's rent: 23.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 5 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 7 — so sales ran at 71% of it, and below it in 14 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 10 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 32.

Going out — closed sales: about 9 a month.

The ladder: homes for sale ÷ monthly sales = 3.7 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 1 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 10 — so sales ran at 90% of it, and below it in 22 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: 12 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: 32 in June 2026.

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