What is the median home value in Charles County, MD?

The median home value in Charles County, MD is $402,300, according to the latest Census ACS 5-Year Estimates.

What is the cap rate in Charles County, MD?

The cap rate proxy in Charles County, MD is 6.7% (estimated from HUD Fair Market Rent and Census home values with a 35% expense ratio). This is moderate — deal-by-deal analysis recommended.

How much new construction is happening in Charles County, MD?

Charles County has 168,710 residents and issued 944 building permits over the trailing twelve months, according to the Census Building Permits Survey.

Washington-Arlington-Alexandria, DC-VA-MD-WV · Maryland

Charles County

168,710 residents944 permits TTM$120,592 median HHI22 ZIP codesUpdated April 16, 2026

Investor first look

Median home value

$402,300

ACS 5-Year

Cap rate proxy

6.7%

FMR × 0.65 ÷ Home Value

Rent-to-income

18.9%

HUD FMR ÷ ACS HHI

Net migration

+2.58%

IRS SOI

Permits (TTM)

944

Census BPS

Climate risk

44.1

FEMA NRI (0–100)

ZIP code breakdown22 ZIP codes

ZIP	Median home value	Rent (FMR 2BR)	Gross yield	Cap rate	Rent gap
20612	$402,300county est.	$2,680	8.0%	5.7%	29.2%
20616	$424,175	$2,520	7.1%	5.4%	24.7%
20664	$420,392	$2,390	6.8%	5.4%	20.6%
20661	$402,300county est.	$2,190	6.5%	5.7%	13.4%
20640	$344,013	$2,070	7.2%	6.6%	8.4%

Ranked by composite score

Median home value	Rent (FMR 2BR)	Gross yield	Cap rate	Rent gap
$478,570	$2,300	5.8%	6.4%	-10.6%
$357,422	$2,070	6.9%	6.4%	8.4%
$386,621	$2,090	6.5%	5.9%	9.2%
$388,610	$2,020	6.2%	5.9%	6.1%
$434,584	$2,330	6.4%	5.7%	11.3%
$402,300county est.	$2,130	6.4%	5.7%	10.9%
$402,300county est.	$2,390	7.1%	5.7%	20.6%
$402,300county est.	$2,160	6.4%	5.7%	12.2%
$462,336	$2,110	5.5%	4.9%	10.1%
$467,055	$2,190	5.6%	4.9%	13.4%
$473,334	$1,860	4.7%	4.8%	-2.0%
$476,559	$2,330	5.9%	4.8%	18.6%
$495,917	$2,190	5.3%	4.6%	13.4%
$496,416	$1,790	4.3%	4.6%	-6.0%
$547,218	$2,700	5.9%	4.2%	29.7%
$566,708	$2,190	4.6%	4.0%	13.4%
$579,102	$3,190	6.6%	3.9%	40.5%

Demographics

Owner-occupied

81.2%

Census ACS

Vacancy rate

4.5%

Census ACS

Bachelor's degree +

31.6%

Census ACS

Rent burdened

40.5%

Census ACS (>30% income)

Median age

38.8

Census ACS

Data sources

U.S. Census Bureau — American Community Survey 5-Year Estimates

U.S. Census Bureau — Building Permits Survey

U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)

Internal Revenue Service — Statistics of Income Migration Data

FEMA — National Risk Index

Last updated: April 16, 2026

Charles County

See all 22 ZIPs ranked by yield and cap rate