Real Estate Investing in Scotland, Maryland (20687)
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Should you buy in 20687 (Scotland, MD)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.
- High vacancy: 20.7% 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 Scotland, MD (20687)?
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Market Analysis: 20687 Scotland
Not every below-median market is a bargain. Scotland's 20687 ZIP stands at signals that favor experienced operators who can absorb the risk $366K pricing implies.
The 20687 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Within MD, ZIP 20687 trails on several market indicators that neighboring Saint Marys County submarkets outperform. The gap is real and durable enough to shape underwriting.
Resident income in 20687 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
Strategy in 20687 is an operator game, not a passive one. Put differently, entry prices of $366K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Scotland:
Market Trends
Home Value History (with trend line)
📊 How Does 20687 Compare?
| Metric | 20687 | Scotland | California-Lexington Park, MD | Maryland |
|---|---|---|---|---|
| Home Value | $366,335 | $366,335 | N/A | $424,997 |
| 5-Year CAGR | 2.0% | 2.0% | N/A | 4.9% |
| Avg Rent | $1,647 | $1,647 | N/A | - |
| Cap Rate | 3.5% | 3.5% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 20687 (Scotland, MD). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $366,335 |
| Monthly Rent | $1,647 |
| Price-to-Rent | 18.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.4% |
| Cap Rate | 3.5% |
| 5-Year IRR | 5.5% |
📈 Home Appreciation
| 1-Year | +3.8% ▲ |
| 3-Year CAGR | +1.9% ▲ |
| 5-Year CAGR | +2.0% ▲ |
| 10-Year CAGR | +3.3% ▲ |
🏠 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 (3.5%). 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 20687
Population: 331
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 20687
Nearby Schools (1 more)
Schools in adjacent ZIP codes that may serve this area
Ridge Elementary
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
How does Scotland, MD stack up for property investment?
Scotland, MD clocks in at an investability rating of 2.0/5, with median home values near $366K and average rents around $1,647/mo. That combination puts it in the substantial tier for investor interest.
How much rent can I charge in Scotland, MD?
Rents in Scotland, MD run near $1,647/mo. Compared with median home prices of $366K that produces solid gross yields for typical rentals.
How much does a house cost in Scotland, MD?
In Scotland, MD the median home value sits at $366K. Against the broader MD market, that reads as reasonable for most investors.
How do experienced investors play Scotland, MD?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Scotland, MD. The numbers - $366K homes against $1,647/mo rents - support that play.
Is Scotland, MD a good market for FHA house hackers?
Scotland, MD is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $366K price point reasonable to enter.
You know 20687 now. You don’t know where it ranks.
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How 20687 ranks in California-Lexington Park, MD
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