ZIP 20732 vs ZIP 20629

20732 is one of 12 ZIP codes that lie mostly in Calvert County, MD.

Shaded by typical home value, it ranks 10 of the 12 with a value.

1 school location in 20732: 1 elementary.

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

20629 is one of 12 ZIP codes that lie mostly in Calvert County, MD.

Shaded by typical home value, it ranks 11 of the 12 with a value.

In January 2000 the typical home in 20732 was worth $164,134.

Values peaked at $457,052 in August 2026. The latest reading is the peak.

As of August 2026: $457,052, +0.1% over twelve months.

Start with the typical home: $457,052. Put 20% down and borrow $365,642 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,532 a month in principal and interest.

The median household here earns $135,925 a year, $11,327 a month. So the payment takes 22.4% 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 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 $983.

In December 2020, with rates at 2.68%, it was $1,189.

By August 2026, at 6.67%, it was $2,351 — +98% since December 2020, while the home's value moved +25%.

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 $323,935. So the real change is +41%, not +178%.

20732: +179% since January 2000.

Calvert County: +176% since January 2000.

Maryland: +180% since January 2000 — 20732 ran behind it by 2 points.

Owning the typical home costs about $2,989 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,608 a month.

Price divided by a year's rent: 14.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 20629 was worth $208,684.

Values peaked at $486,419 in November 2024. The latest reading is −6.6% from that peak.

As of August 2026: $454,088, −3.0% over twelve months.

Start with the typical home: $454,088. Put 20% down and borrow $363,270 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,515 a month in principal and interest.

The median household here earns $90,400 a year, $7,533 a month. So the payment takes 33.4% 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 15.3% 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 $1,250.

In December 2020, with rates at 2.68%, it was $1,201.

By August 2026, at 6.67%, it was $2,336 — +94% since December 2020, while the home's value moved +22%.

Reported values rose +118% 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 $411,859. So the real change is +10%, not +118%.

20629: +118% since January 2000.

Calvert County: +176% since January 2000.

Maryland: +180% since January 2000 — 20629 ran behind it by 63 points.

Owning the typical home costs about $2,969 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: 21.5. 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).

On the shelf — homes for sale at the end of the period: 37.

Going out — closed sales: about 22 a month.

The ladder: homes for sale ÷ monthly sales = 1.7 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 2 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 22 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 19 — so sales ran at 116% 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).

Homes sold: about 0 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 3 — so sales ran at 0% of it, and below it in 13 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: 37 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: 9 in June 2026.

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