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ZIP Code 20640

Charles, Maryland

ZCTA 20640

Juniper

ZIP Code 20640 is in the lowest 2% statewide for FEMA risk score. It also sits in the lowest 3% nationally for home price growth over the past year. And it sits in the highest 19% nationally for median income.

Typical Home Valuemedian home value (ACS), re-priced to today on the FHFA index

$368,665

Near the U.S. ZIP codes median
Home Price Growth, Past Five Years

45%

Lower than 71% of U.S. ZIP codes
FEMA Risk Score0–100; 0 = lowest modelled risk, 100 = highest, vs places of the same type

4.5

Lower than 98% of Maryland ZIP codes

The boundary of ZIP Code 20640, in Charles, Maryland.

The basics

Total Population

10,685

Median Age

38.8

Population Density

256.09

Home values & property tax

Median Property Tax

$3,324

Property Tax Rateyearly tax as a share of home value

1%

Cost of living & affordability

Home Price vs Incomeyears of income to buy a typical home

3.23×

Near the U.S. ZIP codes median
Median Income

$100,593

Higher than 81% of U.S. ZIP codes
Median Rent

$1,529

Higher than 79% of U.S. ZIP codes

Home prices & appreciation

Home Price Growth, Past Year

-8.9%

Lower than 97% of U.S. ZIP codes
Pandemic Price Run-Up2019–20 low → 2022–23 peak

51%

2008 Crash: Peak-to-Trough Drophow far prices fell, 2007 → 2011

37%

Climate & weather

Summer Avg High (°F)

85.9

Winter Avg Low (°F)

30.3

Avg Temperature (°F)

58.1

Hot Days/yr (>90°F)

29.5

Freezing Days/yr (<32°F)

75.9

Annual Precipitation (in)

41

Annual Snowfall (in)

12.4

Flood & disaster risk

Coastal Flood Loss per $1,000

$0

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Climate

  • Environment & Risk

ZIP Code 20640: frequently asked questions

What is the typical home value in ZIP Code 20640?
The estimated median home value in ZIP Code 20640 today is $368,665, near the U.S. ZIP codes median.
How much is property tax in ZIP Code 20640?
The median annual property tax in ZIP Code 20640 is $3,324, an effective rate of 1% of home value.
Is ZIP Code 20640 expensive to live in?
Homes in ZIP Code 20640 cost about 3.23× the median household income, near the U.S. ZIP codes median.
What is the average rent in ZIP Code 20640?
The median gross rent in ZIP Code 20640 is $1,529 a month, higher than 79% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 20640?
Home prices in ZIP Code 20640 have moved 45% over the past five years (-8.9% in the past year), per the FHFA House Price Index.
How many people live in ZIP Code 20640?
ZIP Code 20640 has a population of 10,685, about 256.09 people per square mile, per the U.S. Census American Community Survey. The median age is 38.8.
What is the weather like in ZIP Code 20640?
ZIP Code 20640 averages 58.1°F year-round, summer highs near 85.9°F, winter lows around 30.3°F (NOAA 1991–2020 normals). It sees about 12.4 inches of snow a year.
Is ZIP Code 20640 at risk of flooding or natural disasters?
ZIP Code 20640's FEMA National Risk Index score is 4.5 (lower than 98% of Maryland ZIP codes). Its greatest modeled natural hazard is inland flooding. Expected annual loss from flooding is $0 per $1,000 of building value.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap contributors (ODbL), EPA. Explore the map →

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