Real Estate Investing in Saint Inigoes, Maryland (20684)

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

Saint Marys County • Population: 825 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 20684 (Saint Inigoes, MD)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (69/100)

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
CLEAN

No major risk flags on the data we track.

• 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 Saint Inigoes, MD (20684)?

Click any question — our AI will research it live from the web and show you sources.

✨ Live AI + Web Search
Want to ask your own questions? Upgrade to Pro for unlimited custom queries.
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 $477,867
Avg Monthly Rent $1,647
1% Rule ✗ Does Not Meet
Median Income $137,188
% Renters 13.6%

Market Analysis: 20684 Saint Inigoes

The 20684 ZIP in Saint Inigoes, MD is a local-operator market. Outside capital chasing a $478K entry has to pair deep knowledge with the discount.

Rent of $1,647/mo on a $478K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 20684 sits below the stated 0.0% once reality is priced in.

Statewide comparisons place 20684 among MD's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

Demographically, 20684 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.

The 20684 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.

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 Saint Inigoes:

C+ Average
Buy Confidence Score: 66/100
Affordability
20/25
Appreciation
18/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.5× the median income
Value Trend
Rising (+5.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,647/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)

$493K$454K$414K$375K$336K$296KJul 2006Jul 2016Jul 2026

📊 How Does 20684 Compare?

Metric 20684 Saint Inigoes California-Lexington Park, MD Maryland
Home Value $477,867 $477,867 N/A $424,997
5-Year CAGR 3.2% 3.2% N/A 4.9%
Avg Rent $1,647 $1,647 N/A -
Cap Rate 2.7% 2.7% - -
💡 Why Invest in 20684? 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.
Open the Market Finder →
Free to search · investor plans from $19/mo

Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 20684 (Saint Inigoes, MD). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 20684 (Saint Inigoes, MD)?

~25 seconds · no account needed · your report is anonymous

Investability
Good
Cap Rate
2.7%
Low
5yr Growth
+3.2%
Moderate

📊 Market Snapshot

Home Value $477,867
Monthly Rent $1,647
Price-to-Rent 24.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.1%
Cap Rate 2.7%
5-Year IRR 5.9%

📈 Home Appreciation

1-Year +5.9% ▲
3-Year CAGR +3.4% ▲
5-Year CAGR +3.2% ▲
10-Year CAGR +3.9% ▲

🏠 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
0.0%
Low risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+3.2%
Stable
Eviction process: Moderate Rent control: Moderate

Demographics in 20684

Population: 825

💰 Median Household Income
$137,188
This area
$137,188
State
$107,932
USA
$74,580
🏠 Renter Occupied
13.6%
This area
13.6%
State
23.8%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-20.0%
USA
3.7%
🎓 College Educated
64.9%
This area
64.9%
State
10.6%
USA
33.7%
👤 Median Age
57.0 years
This area
57.0 years
State
1.9 years
USA
38.9 years
🏚️ Vacancy Rate
0.0%
This area
0.0%
State
11.4%
USA
10.5%
👥 Population by Ethnicity
White 92.8%
Other/Mixed 5.6%
Black/African American 1.6%
Hispanic/Latino 0.2%
👶 Under 18
5.3%
This area
5.3%
USA
22.0%
👴 65 and Over
40.2%
This area
40.2%
USA
17.3%
📊 Poverty Rate
1.3%
This area
1.3%
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 20684

Nearby Schools (1 more)

Schools in adjacent ZIP codes that may serve this area

A Very Good

Ridge Elementary

📚 Pre-K – 05 Elementary
📍 49430 Airedale Rd, Ridge
👥
213 Students
👨‍🏫
13.8:1 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 · 3.3 mi

Frequently Asked Questions

What are vacancy rates like in Saint Inigoes, MD?

Vacancy in Saint Inigoes, MD is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,647/mo.

How does Saint Inigoes, MD stack up for property investment?

Yes - Saint Inigoes, MD a 3.0/5 investability score. With $478K home prices against $1,647/mo monthly rent, the market delivers a reasonable entry point for new investors.

Are renters plentiful in Saint Inigoes, MD?

Working renters make up the core of the Saint Inigoes, MD tenant base. The pool is reasonable for investors targeting long-term holds.

Is Saint Inigoes, MD landlord-friendly?

MD law landlord-friendly for landlords, and Saint Inigoes inherits those rules. Investors should still review local ordinances for rental licensing.

Is housing expensive in Saint Inigoes, MD?

Saint Inigoes, MD median home values land near $478K. That is reasonable territory for investors looking at $1,647/mo-per-month rentals.

You know 20684 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 20684 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.

Compare Plans

How 20684 ranks in California-Lexington Park, MD

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
🤖

AI Market Advisor

Ask questions about investing in 20684 (Saint Inigoes)

Loading...

Community Ratings

What people who’ve spent time here actually say. Not paid reviews.

Be the first to rate 20684 (Saint Inigoes, MD).

It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.