Real Estate Investing in Tall Timbers, Maryland (20674)

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

Saint Marys County • Population: 638 • Data updated: September 2026

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Should you buy in 20674 (Tall Timbers, MD)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (68/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 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: 44.8% 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 Tall Timbers, MD (20674)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $485,648
Avg Monthly Rent $1,674
1% Rule ✗ Does Not Meet
Median Income $165,650
% Renters 25.1%

Market Analysis: 20674 Tall Timbers

ZIP 20674 inside Saint Marys County looks affordable on the surface — median value of $486K — but the discount exists for reasons that a careful buyer should understand before committing.

Distressed markets are won on execution, not on spreadsheets. ZIP 20674 shows the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Put differently, 20674 offers a low basis, the region around Tall Timbers has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

Demographically, 20674 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

Experienced landlords with local relationships tend to find 20674 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

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 Tall Timbers:

B Good
Buy Confidence Score: 70/100
Affordability
20/25
Appreciation
22/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.9× the median income
Value Trend
Rising (+8.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,674/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
California-Lexington Park, MD Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
9.6%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from California-Lexington Park, MD metro data

Market Trends

Home Value History (with trend line)

$501K$457K$412K$368K$324K$279KJul 2006Jul 2016Jul 2026

📊 How Does 20674 Compare?

Metric 20674 Tall Timbers California-Lexington Park, MD Maryland
Home Value $485,648 $505,701 N/A $424,997
5-Year CAGR 5.2% 4.4% N/A 4.9%
Avg Rent $1,674 $1,674 N/A -
Cap Rate 2.7% 2.6% - -
💡 Why Invest in 20674? Click to expand

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

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 20674 (Tall Timbers, MD). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.7%
Low
5yr Growth
+5.2%
Moderate

📊 Market Snapshot

Home Value $485,648
Monthly Rent $1,674
Price-to-Rent 24.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.1%
Cap Rate 2.7%
5-Year IRR 7.9%

📈 Home Appreciation

1-Year +8.9% ▲
3-Year CAGR +6.3% ▲
5-Year CAGR +5.2% ▲
10-Year CAGR +4.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.7%). 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
44.8%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+5.2%
Stable
Eviction process: Moderate Rent control: Moderate

Demographics in 20674

Population: 638

💰 Median Household Income
$165,650
This area
$165,650
State
$107,932
USA
$74,580
🏠 Renter Occupied
25.1%
This area
25.1%
State
23.8%
USA
34.0%
💼 Unemployment Rate
3.9%
This area
3.9%
State
-20.0%
USA
3.7%
🎓 College Educated
40.8%
This area
40.8%
State
10.6%
USA
33.7%
👤 Median Age
37.1 years
This area
37.1 years
State
1.9 years
USA
38.9 years
🏚️ Vacancy Rate
44.8%
This area
44.8%
State
11.4%
USA
10.5%
👥 Population by Ethnicity
White 78.1%
Black/African American 15.5%
Other/Mixed 3.6%
Asian 2.9%
👶 Under 18
30.7%
This area
30.7%
USA
22.0%
👴 65 and Over
24.3%
This area
24.3%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
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 20674

Nearby Schools (1 more)

Schools in adjacent ZIP codes that may serve this area

A Very Good

Piney Point Elementary

📚 Pre-K – 05 Elementary
📍 44550 Tall Timbers Rd, Tall Timbers
👥
449 Students
👨‍🏫
16.9:1 Class Size
💰
$17,616 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.

🎓 Nearby Colleges & Universities

1 Nearby 19 Off-Campus Students
B
St. Mary's College of Maryland
1,587 students · 5.3 mi

Frequently Asked Questions

Is Tall Timbers, MD good for landlords?

Tall Timbers, MD falls under MD landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.

What investment strategy works best in Tall Timbers, MD?

Most investors in Tall Timbers, MD run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.

What kind of tenants rent in Tall Timbers, MD?

Tall Timbers, MD offers a predictable renter base at the $1,674/mo rent level. Tenant turnover is reasonable for well-managed properties.

How does Tall Timbers, MD stack up for property investment?

Yes - Tall Timbers, MD a 3.0/5 investability score. With $486K home prices against $1,674/mo monthly rent, the market delivers a reasonable entry point for new investors.

How expensive is real estate in Tall Timbers, MD?

The median home value in Tall Timbers, MD is roughly $486K. That puts it reasonable relative to the MD statewide average.

You know 20674 now. You don’t know where it ranks.

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How 20674 ranks in California-Lexington Park, MD

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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