Dunkirk 20754

Calvert County, MD · 2,680 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

63affordability /100

Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
22.5%
affordable
Days on market
36
daily
Price cuts
0.0%
of active
Valuation
-73.8%
vs assessor
Look up an address
67
/100
stable
stable · 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

50/ 100SellerBalancedBuyer
Balanced Market
DOM: 76d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)60
Supply & Demand (20%)100
Buy vs Rent (15%)75
Cancellation Rate (10%)0
Days on Market (5%)75

Balanced market in 20754. List price is roughly fair — focus on condition and value. Payment burden: 22.6% of median income. Median days on market: 76. Renting is approximately 107% cheaper than buying (price-to-rent ratio: 24.9).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
STABLEBALANCED

Market is holding steady with balanced conditions. Conditions are balanced between buyers and sellers.

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Market snapshoteach number, once

Median price
$643,891
▴ 0.9% YoY
Days on market
36
daily · zip_data
Median rent
$2,157
ZORI
Investor score
38/100
cash-flow lens
Active listings
18
90-day

Valuation3 lenses, different anchors

vs assessor
-73.8%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$168,900
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%
Anne Arundel+43.7%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$208
Price-to-income3.7×

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How 20754 ranks in MD
percentile vs all MD ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

23SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply22.0 mo
Days on Market36d
Inv vs History+32.4%
Listing Density--
Market dynamics
Price cut %0.0%
Momentumstable
LeverageBALANCED
Months of supply22
Sales (90d)0
Investment analysis
Median rent$2,157
Price-to-rent24.9
Est. cap rate2.6%
Buy vs rentfavors renting

Livability

Walk score1
Transit score13
Bike score

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Calvert County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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