Real Estate Investing in Lusby, Maryland (20657)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 20657 (Lusby, MD)? Our answer, based on the numbers below.
Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
No major risk flags on the data we track.
What’s happening in Lusby, MD (20657)?
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Market Analysis: 20657 Lusby
The 20657 ZIP in Lusby, MD is a local-operator market. Outside capital chasing a $380K entry has to pair deep knowledge with the discount.
The investment case in 20657 is significant only for operators who understand what they are buying. A $380K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
Nearby ZIPs in Lusby have seen price recovery that 20657 has not matched. Calvert County data supports the view that the spread is structural rather than temporary.
Who lives in 20657 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
The 20657 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.
Here's what matters if you're considering buying a home in Lusby:
Property Strategy for 20657
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $300,855 | $1,860 | 4.5% | +7.4% | $150,427 |
| 3BR | $355,543 | $2,430 | 4.9% | +6.6% | $118,514 |
| 4BR | $404,314 | $2,860 | 5.1% | +6.0% | $101,079 |
| 5BR | $447,737 | — | — | +5.7% | $89,547 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 20657 Compare?
| Metric | 20657 | Lusby | Maryland |
|---|---|---|---|
| Home Value | $380,261 | $380,261 | $424,997 |
| 5-Year CAGR | 4.1% | 4.1% | 4.9% |
| Avg Rent | $2,175 | $2,175 | - |
| Cap Rate | 4.5% | 4.5% | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 20657 (Lusby, MD). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $380,261 |
| Monthly Rent | $2,175 |
| Price-to-Rent | 14.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.9% |
| Cap Rate | 4.5% |
| 5-Year IRR | 8.6% |
📈 Home Appreciation
| 1-Year | +3.7% ▲ |
| 3-Year CAGR | +3.5% ▲ |
| 5-Year CAGR | +4.1% ▲ |
| 10-Year CAGR | +5.2% ▲ |
🏠 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 (4.5%). 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 20657
Population: 20,519
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 20657
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.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
Does Lusby, MD favor landlords or tenants?
Rental owners in Lusby, MD deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.
What is the average monthly rent in Lusby, MD?
Rent in Lusby, MD is around $2,175/mo. The resulting rent-to-value relationship with $380K pricing is reasonable for most investor models.
Is the tenant base reliable in Lusby, MD?
The renter base in Lusby, MD is reasonable for the $2,175/mo price point. Screening well and pricing to market typically yields even-keeled tenants.
Is Lusby in MD worth investing in?
Investors tracking Lusby, MD will find a 3.0/5 rating supported by $380K median home values and $2,175/mo rents. That profile suits long-term holders targeting stable returns.
What is the typical home price in Lusby, MD?
Homes in Lusby, MD typically sell near $380K. Prices have moved at a 0.0% 5-year CAGR, which reliable long-term demand.
You know 20657 now. You don’t know where it ranks.
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