Real Estate Investing in Newburg, Maryland (20664)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Charles County • Population: 3,121 • Data updated: September 2026

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Should you buy in 20664 (Newburg, MD)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (49/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 25.0% 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 Newburg, MD (20664)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $428,195
Avg Monthly Rent $2,151
1% Rule ✗ Does Not Meet
Median Income $93,313
% Renters 25.2%

Market Analysis: 20664 Newburg

ZIP 20664 in Newburg, MD carries a resilient set of headwinds. Home values near $428K and rents of $2,151/mo sit inside a market where underwriting has to be tight.

The investment case in 20664 is notable only for operators who understand what they are buying. A $428K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

From an investor standpoint, 20664 offers a low basis, the region around Newburg has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

Resident income in 20664 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

Distressed ZIPs reward experience. substantial returns are possible in 20664, but they flow to investors who already understand how to operate in soft markets.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Newburg:

C Below Average
Buy Confidence Score: 54/100
Affordability
10/25
Appreciation
14/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.6× the median income
Value Trend
Stable (+2.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,151/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
🏠

Property Strategy for 20664

Which property type performs best in this market?

Best for Cash Flow
3BR
5.7% cap rate
Best for Appreciation
4BR
+5.9% 5yr CAGR
Best Overall Value
4BR
$125,056/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $384,849 $3,020 5.7% +5.7% $128,283
4BR $500,223 $3,550 5.1% +5.9% $125,056

Market Trends

Home Value History (with trend line)

$450K$407K$363K$320K$277K$233KJul 2006Jul 2016Jul 2026

📊 How Does 20664 Compare?

Metric 20664 Newburg Maryland
Home Value $428,195 $428,195 $424,997
5-Year CAGR 2.6% 2.6% 4.9%
Avg Rent $2,151 $2,151 -
Cap Rate 3.9% 3.9% -
💡 Why Invest in 20664? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 20664 (Newburg, MD). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.9%
Low
5yr Growth
+2.6%
Slow

📊 Market Snapshot

Home Value $428,195
Monthly Rent $2,151
Price-to-Rent 16.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.0%
Cap Rate 3.9%
5-Year IRR 6.5%

📈 Home Appreciation

1-Year +2.1% ▲
3-Year CAGR +2.5% ▲
5-Year CAGR +2.6% ▲
10-Year CAGR +4.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.9%). 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.

Vacancy
25.0%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+2.6%
Stable
Eviction process: Moderate Rent control: Moderate

Demographics in 20664

Population: 3,121

💰 Median Household Income
$93,313
This area
$93,313
State
$107,932
USA
$74,580
🏠 Renter Occupied
25.2%
This area
25.2%
State
23.8%
USA
34.0%
💼 Unemployment Rate
1.9%
This area
1.9%
State
-20.0%
USA
3.7%
🎓 College Educated
23.4%
This area
23.4%
State
10.6%
USA
33.7%
👤 Median Age
37.9 years
This area
37.9 years
State
1.9 years
USA
38.9 years
🏚️ Vacancy Rate
25.0%
This area
25.0%
State
11.4%
USA
10.5%
👥 Population by Ethnicity
White 65.5%
Black/African American 17.1%
Other/Mixed 16.0%
Hispanic/Latino 3.0%
Asian 1.4%
👶 Under 18
30.4%
This area
30.4%
USA
22.0%
👴 65 and Over
18.2%
This area
18.2%
USA
17.3%
📊 Poverty Rate
4.0%
This area
4.0%
USA
11.5%

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 20664

A+ Avg School Grade
2 Schools
14.2:1 Avg Class Size
$19,839 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Dr. Thomas L. Higdon Elementary School

📚 Pre-K – 05 Elementary
👥
408 Students
👨‍🏫
14.2:1 Class Size
💰
$19,839 Per Student
A+ Excellent

Piccowaxen Middle School

📚 06 – 08 Middle
👥
615 Students
👨‍🏫
14.1:1 Class Size
💰
$19,839 Per Student
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

Which investment style suits Newburg, MD?

Investors usually favor careful cash-flow rentals with hands-on management in Newburg, MD. With home values at $428K and rents near $2,151/mo, other strategies can work but produce measured rather than outsized returns.

Is Newburg, MD a good market for buy-and-hold investors?

Our data puts Newburg, MD at 3.0/5 for investability. Home prices of $428K and rents around $2,151/mo create a solid backdrop for investor activity.

How strong is the working-renter base in Newburg, MD?

Tenant demand in Newburg, MD is solid. The local workforce $2,151/mo rents across most rental classes.

What is the typical vacancy rate in Newburg, MD?

Occupancy in Newburg, MD runs measured with elevated vacancy. Well-priced units at $2,151/mo lease on reasonable timelines.

Is MD a landlord-friendly state?

Landlord-friendliness in Newburg, MD is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.

You know 20664 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 20664 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.

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How 20664 ranks in Washington-Arlington-Alexandria, DC-VA-MD-WV

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Cash Flow → Appreciation → Affordable →
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