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Rock Point CDP, MD

ZIP 20664 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 20664

Median Home Value
$433,100
Median Rent
$1,281
Affordability Snapshot
$119,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,782/mo PITI).

19%
Rent-to-Income Ratio

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

5.3x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

28.2 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 20664 in Rock Point CDP, MD, a household would need roughly $119,000 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 $2,782. That is about 45% above the local median household income ($82,083), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.7%+17% vs US avg
x
Vacancy Rate
22.7%+120% vs US avg
x
Broadband Access
85.8%-1% vs US avg
x
4+ Bedrooms
11.2%-24% vs US avg
x
Built Pre-1939
10.2%-20% vs US avg
x
Built Post-2014
3.8%-45% vs US avg
x
Rent Burden >30%
33.6%-32% vs US avg
x
Mortgage-Free
37.5%-2% vs US avg
x
$433,100
Home Value
$1,281
Rent
1975
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 detached96.9%
  • 1-unit attached1.2%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other2.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$433,100
Median rent$1,281
Owner-occupied76.7%
Vacant22.7%
Price-to-income5.3x
Est. income to buy$119,000