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ZIP Code 20646

Charles, Maryland

ZCTA 20646

Juniper

ZIP Code 20646 is in the lowest 3% nationally for FEMA risk score. It also sits in the highest 7% nationally for median income. And it sits in the lowest 14% nationally for home price growth over five years.

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

$503,681

Higher than 75% of U.S. ZIP codes
Home Price Growth, Past Five Years

37%

Lower than 86% of U.S. ZIP codes
FEMA Risk Score0–100; 0 = lowest modelled risk, 100 = highest, vs places of the same type

15.5

Lower than 97% of U.S. ZIP codes

The boundary of ZIP Code 20646, in Charles, Maryland.

The basics

Total Population

21,400

Median Age

42.9

Population Density

268.27

Home values & property tax

Median Property Tax

$4,801

Property Tax Rateyearly tax as a share of home value

1.1%

Cost of living & affordability

Home Price vs Incomeyears of income to buy a typical home

3.41×

Higher than 58% of U.S. ZIP codes
Median Income

$131,974

Higher than 93% of U.S. ZIP codes
Median Rent

$1,541

Higher than 79% of U.S. ZIP codes

Home prices & appreciation

Home Price Growth, Past Year

2.3%

Lower than 60% of U.S. ZIP codes
Pandemic Price Run-Up2019–20 low → 2022–23 peak

34%

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

31%

Climate & weather

Summer Avg High (°F)

83.4

Winter Avg Low (°F)

26.5

Avg Temperature (°F)

55.2

Hot Days/yr (>90°F)

15.8

Freezing Days/yr (<32°F)

97.5

Annual Precipitation (in)

46.9

Annual Snowfall (in)

15.1

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 20646: frequently asked questions

What is the typical home value in ZIP Code 20646?
The estimated median home value in ZIP Code 20646 today is $503,681, higher than 75% of U.S. ZIP codes.
How much is property tax in ZIP Code 20646?
The median annual property tax in ZIP Code 20646 is $4,801, an effective rate of 1.1% of home value.
Is ZIP Code 20646 expensive to live in?
Homes in ZIP Code 20646 cost about 3.41× the median household income, higher than 58% of U.S. ZIP codes.
What is the average rent in ZIP Code 20646?
The median gross rent in ZIP Code 20646 is $1,541 a month, higher than 79% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 20646?
Home prices in ZIP Code 20646 have moved 37% over the past five years (2.3% in the past year), per the FHFA House Price Index.
How many people live in ZIP Code 20646?
ZIP Code 20646 has a population of 21,400, about 268.27 people per square mile, per the U.S. Census American Community Survey. The median age is 42.9.
What is the weather like in ZIP Code 20646?
ZIP Code 20646 averages 55.2°F year-round, summer highs near 83.4°F, winter lows around 26.5°F (NOAA 1991–2020 normals). It sees about 15.1 inches of snow a year.
Is ZIP Code 20646 at risk of flooding or natural disasters?
ZIP Code 20646's FEMA National Risk Index score is 15.5 (lower than 97% of U.S. 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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