ZIP Code 20664 Housing Market
ZIP code 20664 is located in Charles County, Maryland. Based on the FHFA House Price Index, the most recent annual HPI value is 296.8 (2000 = 100) , with a year-over-year change of +5.36% as of 2025.
📈 20664 HPI Trend
FHFA House Price Index for Five-Digit ZIP Codes (2000 = 100)
📝 Local Market Notes
ZIP code 20664 in Charles County, Maryland, exhibits a robust upward price trajectory that significantly outpaces broader regional trends. The Home Price Index (HPI) for this area has climbed from 212.68 in 2020 to 296.76 in 2025, representing a substantial appreciation of nearly 40% over five years. This growth was particularly acute between 2021 and 2022, when the index surged from 231.92 to 284.14. Although a slight dip occurred in 2024 to 281.65, the market rebounded sharply in 2025, signaling strong underlying demand that has persisted despite recent national volatility. The current year-over-year performance of ZIP 20664 diverges markedly from both its parent county and the state of Maryland. While the county records a modest 1.55% increase and the state averages 0.95%, ZIP 20664 posts a 5.36% gain. This significant divergence suggests that the sub-market is insulated from the broader cooling effects seen in neighboring areas, such as ZIP 20603 and 20677, which are experiencing double-digit declines. The resilience of 20664 indicates a localized demand driver that sustains price growth even when surrounding markets correct. Characteristically, this sub-market aligns with the upper-middle segment of the housing spectrum. The parent county’s median home value stands at $428,500, supported by a median household income of $122,816 and an owner-occupancy rate of 82.1%. These metrics suggest a stable, homeowner-centric community rather than a renter-heavy or entry-level zone. For prospective buyers, the practical takeaway is that ZIP 20664 commands a premium relative to adjacent Charles County areas. With a 30-year mortgage rate at 7.40%, entry costs are elevated, and the rapid appreciation pace implies that equity accumulation is strong but purchase prices are moving quickly. Residents should anticipate continued price pressure, as the data reflects a market that is currently decoupling from the slower growth patterns of the wider region.
About This ZIP Code
ZIP code 20664 is one of the most active real estate sub-markets in Charles County, Maryland. The FHFA House Price Index tracks cumulative price appreciation since 2000, providing a consistent measure of long-term value change in this specific ZIP area.
For full county-level context, see the Charles County Housing Market page, which includes ACS median home values, rent, owner-occupancy, employment, migration, and other economic indicators.
Other Active ZIPs in Charles County
| ZIP Code | HPI | YoY | Latest Year |
|---|---|---|---|
| 20603 | 248.9 | -13.11% | 2025 |
| 20677 | 231.2 | -10.96% | 2025 |
| 20640 | 255.8 | -8.93% | 2025 |
| 20625 | 292.4 | +11.52% | 2025 |
| 20695 | 225.2 | -4.76% | 2025 |
| 20659 | 261.9 | +10.74% | 2025 |
| 20675 | 204.3 | -12.70% | 2025 |
| 20616 | 250.9 | -1.73% | 2025 |
| 20607 | 271.7 | +2.49% | 2025 |
Data Source: FHFA House Price Index for Five-Digit ZIP Codes (All-Transactions Index, 2000 = 100). Data as of 2025. This product uses FHFA Data but is neither endorsed nor certified by FHFA.