Real Estate Investing in Port Republic, Maryland (20676)

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

Calvert County • Population: 3,412 • Data updated: September 2026

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Should you buy in 20676 (Port Republic, MD)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (53/100)

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: 16.0% 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 Port Republic, MD (20676)?

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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 $514,662
Avg Monthly Rent $1,773
1% Rule ✗ Does Not Meet
Median Income $161,071
% Renters 12.5%

Market Analysis: 20676 Port Republic

The 20676 ZIP covers a section of Port Republic that demands careful diligence. Prices near $515K look accessible, but the work to make a deal cash flow is real.

For an experienced owner, 20676 can be a worth a close look for hunting ground — but the discount at $515K reflects genuine risk that outside investors often underestimate.

Statewide comparisons place 20676 among MD's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

The demographic picture in 20676 includes headwinds that any investor should price in. Income distribution skews lower than Port Republic averages, and tenant stability requires active management.

Distressed ZIPs reward experience. solid returns are possible in 20676, 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 Port Republic:

C+ Average
Buy Confidence Score: 68/100
Affordability
20/25
Appreciation
18/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.2× the median income
Value Trend
Rising (+4.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,773/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
🏠

Property Strategy for 20676

Which property type performs best in this market?

Best for Cash Flow
3BR
4.0% cap rate
Best for Appreciation
3BR
+5.8% 5yr CAGR
Best Overall Value
4BR
$140,161/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $464,585 $2,560 4.0% +5.8% $154,862
4BR $560,643 $3,010 3.9% +5.8% $140,161

Market Trends

Home Value History (with trend line)

$533K$482K$430K$379K$327K$276KJul 2006Jul 2016Jul 2026

📊 How Does 20676 Compare?

Metric 20676 Port Republic Maryland
Home Value $514,662 $514,662 $424,997
5-Year CAGR 3.5% 3.5% 4.9%
Avg Rent $1,773 $1,773 -
Cap Rate 2.7% 2.7% -
💡 Why Invest in 20676? 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 →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 20676 (Port Republic, MD). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.7%
Low
5yr Growth
+3.5%
Moderate

📊 Market Snapshot

Home Value $514,662
Monthly Rent $1,773
Price-to-Rent 24.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.1%
Cap Rate 2.7%
5-Year IRR 6.1%

📈 Home Appreciation

1-Year +4.6% ▲
3-Year CAGR +3.5% ▲
5-Year CAGR +3.5% ▲
10-Year CAGR +4.4% ▲

🏠 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
16.0%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+3.5%
Stable
Eviction process: Moderate Rent control: Moderate

Demographics in 20676

Population: 3,412

💰 Median Household Income
$161,071
This area
$161,071
State
$107,932
USA
$74,580
🏠 Renter Occupied
12.5%
This area
12.5%
State
23.8%
USA
34.0%
💼 Unemployment Rate
1.6%
This area
1.6%
State
-20.0%
USA
3.7%
🎓 College Educated
37.6%
This area
37.6%
State
10.6%
USA
33.7%
👤 Median Age
50.0 years
This area
50.0 years
State
1.9 years
USA
38.9 years
🏚️ Vacancy Rate
16.0%
This area
16.0%
State
11.4%
USA
10.5%
👥 Population by Ethnicity
White 88.3%
Black/African American 6.4%
Other/Mixed 5.2%
Hispanic/Latino 2.1%
👶 Under 18
15.3%
This area
15.3%
USA
22.0%
👴 65 and Over
20.4%
This area
20.4%
USA
17.3%
📊 Poverty Rate
7.3%
This area
7.3%
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 20676

A+ Avg School Grade
1 Schools
13.3:1 Avg Class Size
$22,994 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Mutual Elementary

📚 Pre-K – 05 Elementary
👥
372 Students
👨‍🏫
13.3:1 Class Size
💰
$22,994 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

What approach is best for Port Republic, MD real estate?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Port Republic, MD. The numbers - $515K homes against $1,773/mo rents - support that play.

What do rentals go for in Port Republic, MD?

Rental rates in Port Republic, MD average $1,773/mo. Tenant demand and $515K home values make the yield look reasonable by investor standards.

How qualified is the tenant pool in Port Republic, MD?

Expect a solid tenant pool in Port Republic, MD. The rental market absorbs $1,773/mo rents without meaningful friction.

What does house hacking look like in Port Republic, MD?

The a challenging house-hack environment in Port Republic, MD reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

How high is vacancy risk in Port Republic, MD?

Port Republic, MD carries elevated vacancy risk. Expect predictable absorption at market rents of $1,773/mo.

You know 20676 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 20676 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 20676 ranks in Washington-Arlington-Alexandria, DC-VA-MD-WV

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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