ZIP code 20684

ZIP 20684 is a very small community in St. Mary's County, Maryland, with 825 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #363 of 477 ranked by population — larger than 23% of them. The median age here is 44.5 years against 39.1 nationally, a slightly older 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 20684 earn a median of $176,938 a year, 125.3% above the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 1.1% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 20684 is valued at $375,500, 23.8% above the national figure, while median gross rent runs not published a month. The home-price-to-income ratio works out to 2.1×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 94.6% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

With 825 residents, a handful of survey responses moves every median on this page. Compare ZIP 20684 against its county rather than against national figures.

The Census withheld gross rent for ZIP 20684 because the sample was too thin to publish at this geography. Those values were suppressed at the source, not lost in our dataset, and we do not model a replacement. Everything else on this page comes straight from the ACS 2019-2023 ACS 5-year tables.

ZIP 20684 is tabulated inside St. Mary's County, Maryland, one of 26 ZIP areas the Census publishes for that county and 477 across Maryland. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. 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 20684 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 20684 reports a median household income of $176,938, 51% above the $117,501 county median, and 70% above the $104,338 typical MD ZIP. Owner-occupied homes are valued at a median of $375,500, 7% below the county figure and 6% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at not published 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 20684.

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 20684 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.