Real Estate Investing in Chaptico, Maryland (20621)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 20621 (Chaptico, MD)? Our answer, based on the numbers below.
Multiple negative signals. Better options likely exist nearby.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 38.4% of homes vacant — above national norms.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Chaptico, MD (20621)?
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Market Analysis: 20621 Chaptico
ZIP 20621 inside Saint Marys County looks affordable on the surface — median value of $380K — but the discount exists for reasons that a careful buyer should understand before committing.
The investment case in 20621 is notable only for operators who understand what they are buying. A $380K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
ZIP 20621's metrics run below Saint Marys County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
A substantial renter share of 4% in 20621 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
Strategy in 20621 is an operator game, not a passive one. In practical terms, entry prices of $380K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Chaptico:
Market Trends
Home Value History (with trend line)
📊 How Does 20621 Compare?
| Metric | 20621 | Chaptico | California-Lexington Park, MD | Maryland |
|---|---|---|---|---|
| Home Value | $380,139 | $380,139 | N/A | $424,997 |
| 5-Year CAGR | 2.1% | 2.1% | N/A | 4.9% |
| Avg Rent | $1,620 | $1,620 | N/A | - |
| Cap Rate | 3.3% | 3.3% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 20621 (Chaptico, MD). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $380,139 |
| Monthly Rent | $1,620 |
| Price-to-Rent | 19.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.1% |
| Cap Rate | 3.3% |
| 5-Year IRR | 5.4% |
📈 Home Appreciation
| 1-Year | +5.6% ▲ |
| 3-Year CAGR | +1.8% ▲ |
| 5-Year CAGR | +2.1% ▲ |
| 10-Year CAGR | +3.9% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.3%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 20621
Population: 902
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 20621
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
Frequently Asked Questions
What kind of market is Chaptico, MD for investors?
Chaptico, MD rates 3.0/5 for investability. With median values at $380K and rents near $1,620/mo, the market offers reasonable fundamentals for rental investors.
Are renters plentiful in Chaptico, MD?
The tenant pool in Chaptico, MD is solid, supported by local employment and population fundamentals. Rents of $1,620/mo are well-absorbed by the market.
What is the rental occupancy rate in Chaptico, MD?
Expect elevated vacancy in Chaptico, MD. Rents at $1,620/mo are absorbed by the tenant base without meaningful lag.
Is rental property easy to operate in Chaptico, MD?
MD law landlord-friendly for landlords, and Chaptico inherits those rules. Investors should still review local ordinances for rental licensing.
What are rental rates like in Chaptico, MD?
Chaptico, MD rentals go for roughly $1,620/mo a month. That puts gross yield in solid territory relative to $380K acquisition costs.
You know 20621 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 20621 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 20621 ranks in California-Lexington Park, MD
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