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Callaway CDP, MD

ZIP 20620 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Wealthy AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 20620

Median Home Value
$369,200
Median Rent
$1,110
Affordability Snapshot
$102,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,372/mo PITI).

9%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

27.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 20620 in Callaway CDP, MD, a household would need roughly $102,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,372. That sits below the local median household income ($154,188), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
84.8%+30% vs US avg
x
Vacancy Rate
9.2%-11% vs US avg
x
Broadband Access
89.9%+3% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
52.5%+6% vs US avg
x
Mortgage-Free
15.8%-59% vs US avg
x
$369,200
Home Value
$1,110
Rent
1992
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached68.8%
  • 1-unit attached19.2%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other12.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$369,200
Median rent$1,110
Owner-occupied84.8%
Vacant9.2%
Price-to-income2.4x
Est. income to buy$102,000