Real Estate Investing in Cobb Island, Maryland (20625)
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Should you buy in 20625 (Cobb Island, MD)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 22.7% of homes vacant — above national norms.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Cobb Island, MD (20625)?
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Market Analysis: 20625 Cobb Island
ZIP 20625 inside Charles County looks affordable on the surface — median value of $374K — but the discount exists for reasons that a careful buyer should understand before committing.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $374K asset, 20625 is the wrong submarket. If the plan prices in friction, the yield can still work.
Regionally, 20625 sits on the difficult end of the MD spectrum. The a credible choice for read — for disciplined operators — is that pricing reflects the difficulty.
Who lives in 20625 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
Experienced landlords with local relationships tend to find 20625 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Cobb Island:
Market Trends
Home Value History (with trend line)
📊 How Does 20625 Compare?
| Metric | 20625 | Cobb Island | Maryland |
|---|---|---|---|
| Home Value | $374,207 | $374,207 | $424,997 |
| 5-Year CAGR | 3.9% | 3.9% | 4.9% |
| Avg Rent | $1,917 | $1,917 | - |
| Cap Rate | 4.0% | 4.0% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 20625 (Cobb Island, MD). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $374,207 |
| Monthly Rent | $1,917 |
| Price-to-Rent | 16.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.2% |
| Cap Rate | 4.0% |
| 5-Year IRR | 7.9% |
📈 Home Appreciation
| 1-Year | +3.6% ▲ |
| 3-Year CAGR | +2.8% ▲ |
| 5-Year CAGR | +3.9% ▲ |
| 10-Year CAGR | +4.7% ▲ |
🏠 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 (4.0%). 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 20625
Population: 1,135
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
Frequently Asked Questions
Is vacancy a concern in Cobb Island, MD?
Expect elevated vacancy in Cobb Island, MD. Rents at $1,917/mo are absorbed by the tenant base without meaningful lag.
Are renters plentiful in Cobb Island, MD?
Working renters make up the core of the Cobb Island, MD tenant base. The pool is reasonable for investors targeting long-term holds.
What monthly rent should investors expect in Cobb Island, MD?
Average rent in Cobb Island, MD is approximately $1,917/mo per month. Against $374K home values that yields a reasonable rent-to-price ratio.
What does house hacking look like in Cobb Island, MD?
The a challenging house-hack environment in Cobb Island, MD reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.
Is Cobb Island in MD worth investing in?
Our data puts Cobb Island, MD at 3.0/5 for investability. Home prices of $374K and rents around $1,917/mo create a solid backdrop for investor activity.
You know 20625 now. You don’t know where it ranks.
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