How much is a home worth in ZIP code 20646?

The typical home in 20646 is worth $479,575, based on the Zillow Home Value Index.

Are home values rising in 20646?

Home values in 20646 are down 0.1% over the past year, and up 3.0% a year over five years.

What is the typical rent in 20646?

A typical home in 20646 rents for about $2,715 a month, a gross rental yield of 6.8%.

What is the property tax rate in 20646?

The effective property tax rate in 20646 is 1.0% — roughly $4,687 a year on a typical home.

ZIP code 20646 has a population of 21,400 and a median household income of $131,974.

HousingHandbookReference data

…

U.S. ZIP Code · MD20646

Charles County · Washington-Arlington-Alexandria, DC-VA-MD-WV

Typical home value

$479,575^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: -0.1%
5-year / yr: +3.0%
10-year / yr: +3.8%

Relative price

vs U.S.: +68.8%
vs metro: -18.3%
vs state: +6.5%

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 20646 is worth $479,575 — 18.3% below the Washington-Arlington-Alexandria, DC-VA-MD-WV median. Over the past year, values have fallen 0.1%. Homes here rent for a typical $2,715 a month — a 6.8% gross rental yield. The effective property tax rate is 1.0%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: $2,715^[2]
Gross yield: 6.8%^[2]
Cap rate: 4.1%^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: 1.0%^[3]
Typical annual tax: $4,687^[3]

#Climate risk

FEMA National Risk Index ratings for Charles County. "Not Applicable" means the hazard does not threaten the county.

Overall risk: Relatively Low^[4]
Riverine flood: Relatively Low
Coastal flood: Relatively Low
Wildfire: Very Low
Drought: Relatively Moderate
Heat wave: Relatively Moderate
Hurricane: Relatively Low
Tornado: Relatively Low
Earthquake: Relatively Low
Winter weather: Relatively Moderate

#Who lives here

Population: 21,400^[3]
Median household income: $131,974^[3]

#Migration

Household moves in and out of Charles County over a year, from IRS tax-return data.

Net migration: +521^[5]
Moved in: 5,731
Moved out: 5,210

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools: 5
Elementary: 2
Middle: 1
High: 1

La Plata High School
High · Grades 9–12 · Charles County Public Schools
1,217 students
Milton M. Somers Middle School
Middle · Grades 6–8 · Charles County Public Schools
659 students
Walter J. Mitchell Elementary School
Elementary · Grades PK–5 · Charles County Public Schools
605 students
Mary H. Matula Elementary School
Elementary · Grades PK–5 · Charles County Public Schools
578 students
F. B. Gwynn Educational Center
Prekindergarten · Grades PK · Charles County Public Schools
4 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Home value$Monthly rent$

Gross yield6.8%

Net yield (after ~40% expenses)4.1%

Annual rent$32,580

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$2,425

Loan principal$383,660

Down payment$95,915

Total interest paid$489,337

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.18

Monthly cost to own$3,216

Monthly rent$2,715

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation: 37th percentile^[1]
Rental yield: 93rd percentile^[2]
Property tax: 78th percentile^[3]

Frequently asked

How much is a home worth in ZIP code 20646?: The typical home in 20646 is worth $479,575, based on the Zillow Home Value Index.
Are home values rising in 20646?: Home values in 20646 are down 0.1% over the past year, and up 3.0% a year over five years.
What is the typical rent in 20646?: A typical home in 20646 rents for about $2,715 a month, a gross rental yield of 6.8%.
What is the property tax rate in 20646?: The effective property tax rate in 20646 is 1.0% — roughly $4,687 a year on a typical home.
Who lives in 20646?: ZIP code 20646 has a population of 21,400 and a median household income of $131,974.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

20695 vs 20646 →
Waldorf CDP, MD
Typical home
$479,933
Gross yield
—
22405 vs 20646 →
Falmouth CDP, VA
Typical home
$480,047
Gross yield
5.8%
22610
VA
Typical home
$478,705
Gross yield
—
22718
VA
Typical home
$482,006
Gross yield
—
22663
VA
Typical home
$476,835
Gross yield
—
20772
Croom CDP, MD
Typical home
$476,562
Gross yield
6.8%

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#Jump to section

U.S. ZIP Code · MD20646

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