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Area data

Spencerville, MD — ZIP 20868

Population: 198 (Census ACS)

The median home value in ZIP 20868 (Spencerville, MD) is $766,831 — down 1.2% over the past year. Homes sell for a median $922,500 after a median 61.5 days on market. FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Moderate, with winterweather, hail, heatwave the top-rated hazards. Cost of living is 8.0% above the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$766,831

Median home value

-1.2%

1-year change

61.5

Median days on market

Relatively Moderate

Hazard risk (county)

Home values & appreciation

Median home value
$766,831
1-year appreciation
-1.2%
3-year appreciation
+2.5%
5-year appreciation
+10.6%
10-year appreciation
+41.3%
All-time peak (2006-12)
$788,561
House Price Index (state)
367.5 (+0.7% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$922,500
Median days on market
61.5 days
Homes sold (recent period)
2
Sale-to-list ratio
97.8%
Active listings
1
1-year forecast
-0.3%

Source: recent area sales and market data (ZIP-level)

Rents

Studio fair-market rent
$1,970/mo
1BR fair-market rent
$2,040/mo
2BR fair-market rent
$2,270/mo
3BR fair-market rent
$2,870/mo
4BR fair-market rent
$3,370/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Above Average)
108.0 (100 = US avg)
Electricity rate (state-level)
19.5¢/kWh
Natural gas rate (state-level)
$16.10/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Moderate
Top hazards (county)
winterWeather, hail, heatWave, inlandFlooding, lightning
Notable hazard ratings (county)
coldWave: Relatively Moderate · drought: Relatively Moderate · earthquake: Relatively Moderate · hail: Relatively High · heatWave: Relatively High · hurricane: Relatively Moderate
FEMA flood zone
X
Flood risk level
Minimal
Wildfire risk to homes (county)
Higher than 11% of US counties
Buildings in wildfire direct-exposure zone
45.4%
Radon potential (county)
High radon potential — EPA Zone 1 of 3
EPA Superfund (NPL) sites within 5 mi
None
Nearest Superfund site
Beltsville Agricultural Research Center (USDA) (8.1 mi)
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Annual precipitation
46.2 in
USDA plant hardiness zone
7b (extreme annual low 5 to 10°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Good
Median AQI (annual)
42
Days with Good air quality
291
Days with Moderate air quality
61
Days with Unhealthy air quality
3
Highest AQI recorded (year)
165

Source: EPA air quality data (nearest monitoring station, annual)

Walkability & transit

Walkability index
8.2 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
136,451
Jobs reachable by transit (45 min)
127,841

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
58
Nearest national park
Baltimore-Washington Parkway (9 mi)
National parks include
Baltimore-Washington Parkway, Greenbelt Park, Civil War Defenses of Washington
Airports within 30 mi
30
Nearest airport
Glenair Airport (10 mi)
Nearest major airport
Fort Meade Executive Airport (FME) (12 mi)
Hospitals nearby (~15 mi)
20
Hospitals include
GEORGE WASHINGTON UNIV HOSPITAL, MEDSTAR GEORGETOWN UNIVERSITY HOSPITAL, SIBLEY MEMORIAL HOSPITAL
Avg hospital rating (CMS)
2.7 / 5
Best hospital rating nearby (CMS)
5.0 / 5
Solar radiation rating
Fair (4.1 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
-6,292 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,958
Housing built before 1970
78.6%
Housing built 2000 or later
0.0%
Median annual property tax
$5,556
Households with broadband internet
94.3%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
364,740
Average weekly wage
$1,688
Top industries (by employment)
Professional Services, Health Care, Accommodation & Food
Annual residential building permits (county)
1,491

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 20868State medianUS median
Median home value$766,831$452,533$289,727
Median sale price$922,500$450,000$325,000
Median days on market62 days40 days51 days
Median annual property tax$5,556$3,862$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 20868?
$766,831.
What is the median sale price in ZIP 20868?
$922,500.
How long do homes take to sell in ZIP 20868?
Median days on market: 61.5 days.
What is typical rent in ZIP 20868?
2-bedroom fair-market rent: $2,270/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
What is the natural-hazard risk in ZIP 20868?
Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: winterWeather, hail, heatWave, inlandFlooding, lightning.
Is ZIP 20868 in a flood zone?
Minimal (FEMA NFIP). FEMA flood zone X.
What is the wildfire risk in ZIP 20868?
Risk to homes is higher than 11% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 20868?
High radon potential — EPA Zone 1 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 20868?
No current or proposed National Priorities List sites within 5 miles (EPA).
Is ZIP 20868 walkable?
Walkability index: 8.2/20 (EPA Smart Location Database).
What is the air quality in ZIP 20868?
Good. Median AQI: 42. (EPA AQI).
What is the cost of living in ZIP 20868?
Regional Price Parity: 108.0 (100 = US average) (Above Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents