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Charlotte Hall CDP, MD

ZIP 20622 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 20622

Median Home Value
$416,400
Median Rent
$1,329
Affordability Snapshot
$115,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,675/mo PITI).

13%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

26.1 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 20622 in Charlotte Hall CDP, MD, a household would need roughly $115,000 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 $2,675. That is roughly in line with the local median household income ($118,938). 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
94.4%+44% vs US avg
x
Vacancy Rate
0.6%-95% vs US avg
x
Broadband Access
83.0%-5% vs US avg
x
4+ Bedrooms
27.9%+89% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
10.0%-80% vs US avg
x
Mortgage-Free
34.1%-11% vs US avg
x
$416,400
Home Value
$1,329
Rent
1987
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached95.7%
  • 1-unit attached3.9%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$416,400
Median rent$1,329
Owner-occupied94.4%
Vacant0.6%
Price-to-income3.5x
Est. income to buy$115,000