ZIP code 20664

ZIP 20664 is a small town in Charles County, Maryland, with 3,121 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #268 of 477 ranked by population — larger than 43% of them. The median age here is 37.8 years against 39.1 nationally, a slightly younger profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 20664 earn a median of $82,083 a year, 4.5% above the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 12.6% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 20664 is valued at $433,100, 42.7% above the national figure, while median gross rent runs $1,660 a month, 18.1% above the national figure, or roughly $19,920 across a full year. A household on the local median income would put about 24.3% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 5.3×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 76.7% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

Median income runs above the national figure while poverty also runs above it — a split distribution, not a uniformly comfortable place. Averages hide that; the two numbers together do not.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 20664 is tabulated inside Charles County, Maryland, one of 22 ZIP areas the Census publishes for that county and 477 across Maryland. Population sits in the small-town band, typically one main street plus the addresses that feed into it. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 20664 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 20664 reports a median household income of $82,083, 34% below the $124,733 county median, and 21% below the $104,338 typical MD ZIP. Owner-occupied homes are valued at a median of $433,100, close to the county figure and 8% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,660 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Maryland charges 6% statewide, and no local sales tax is layered on top, so the state rate is the full amount collected in 20664.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 20664 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.