Sunderland 20689
Calvert County, MD · 770 properties · updated 7/5/2026
Should you buy here?buyer-timing lens
66affordability /100
Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.
Payment burden
20.4%
affordable
Days on market
36
daily
Price cuts
0.0%
of active
Valuation
-74.6%
vs assessor
68
/100
stable
warming · balanced · prices rising year-over-year.
Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.
Buyer / sellerbuyer-timing lens
Balanced Market
Score Components
Payment Burden (25%)0
Valuation Gap (25%)80
Supply & Demand (20%)100
Days on Market (5%)40
Balanced market in 20689. List price is roughly fair — focus on condition and value. Payment burden: 20.4% of median income. Median days on market: 36. Market appears 18% overpriced vs. assessed values.
Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
WARMINGBALANCED
Market is warming with rising prices. Conditions are balanced between buyers and sellers.
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Market snapshoteach number, once
Median price
$586,918
▴ 1.3% YoY
Days on market
36
daily · zip_data
Median rent
$1,589
county avg
Investor score
33/100
cash-flow lens
Active listings
5
90-day
Valuation3 lenses, different anchors
vs assessor
-74.6%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$149,100
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+41.8%
County-wide market — the widest, slowest signal.
Calvert+41.8%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$207
Price-to-income3.4×
How 20689 ranks in MD
percentile vs all MD ZIPs
Comparative ranking not available for this ZIP.
Affordability, supply & momentum
19SUPPLY
OversuppliedSupply Tightness
Ample inventory — buyers have time and leverage to negotiate.
Months of Supply24.0 mo
Days on Market36d
Inv vs History+150.0%
Listing Density--
Market dynamics
Price cut %0.0%
Momentumwarming
LeverageBALANCED
Months of supply24
Sales (90d)0
Investment analysis
Median rent$1,589
Price-to-rent30.8
Est. cap rate1.9%
Buy vs rentfavors renting
Livability
Walk score—
Transit score1
Bike score—
Historical trends
Calvert County contextmacro · jobs · debt · migration
ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.