US5.com
  1. Home
  2. States
  3. Maryland
  4. ZIP 20637
  5. Housing & Real Estate
Hughesville CDP, MD

ZIP 20637 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 20637

Median Home Value
$533,100
Median Rent
$2,478
Affordability Snapshot
$147,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,424/mo PITI).

20%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

17.9 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 20637 in Hughesville CDP, MD, a household would need roughly $147,000 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 $3,424. That is roughly in line with the local median household income ($149,821). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
93.6%+43% vs US avg
x
Vacancy Rate
3.2%-69% vs US avg
x
Broadband Access
94.5%+9% vs US avg
x
4+ Bedrooms
18.8%+27% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
21.2%-57% vs US avg
x
Mortgage-Free
30.0%-21% vs US avg
x
$533,100
Home Value
$2,478
Rent
1996
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached96.6%
  • 1-unit attached1.9%
  • 2-9 units1.5%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$533,100
Median rent$2,478
Owner-occupied93.6%
Vacant3.2%
Price-to-income3.6x
Est. income to buy$147,000