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St. Mary's County · Maryland

ZIP code 20686

Population, income, housing costs and the sales tax rate charged on purchases inside ZIP 20686 — Census 2019-2023 ACS 5-year, no modelled estimates.
Population
949

ZCTA residents

Median income
—

Household, past 12 months

Median home
—

Owner-occupied value

Sales tax
6%

Maryland state rate

Quick answer

ZIP 20686 sits in St. Mary's County, Maryland and is home to 949 people. Median household income is —, the median home is worth — and median gross rent is —. — of households own their home, and purchases are taxed at 6% (Maryland state rate).

County
St. Mary's County

FIPS 24037

State
Maryland (MD)

477 ZIPs covered

Area codes
Not published

No NANPA match for this ZIP

Metro area
Outside covered metros

Rate jurisdiction used for tax

The numbers for 20686

American Community Survey 2019-2023 ACS 5-year estimates for this ZCTA.

Population
949ZIP 20686 residents
Median household income
—Past 12 months, inflation adjusted
Median home value
—Owner-occupied units
Median gross rent
—Rent plus utilities, monthly
Median age
20 yrsAll residents
Homeownership rate
—Owner-occupied households

ZIP 20686 in context

How this area compares with national benchmarks.

ZIP 20686 is a very small community in St. Mary's County, Maryland, with 949 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #350 of 477 ranked by population — larger than 26% of them. The median age here is 20 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. 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 20686 earn a median of not published a year. 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 Poverty reaches an unpublished share of residents here.

The typical owner-occupied home in ZIP 20686 is valued at not published, while median gross rent runs not published a month. The homeownership rate is not published. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

A median age of 20 means a large student or early-career population; income medians in places like this understate household resources, since many residents are supported from outside the address. With 949 residents, a handful of survey responses moves every median on this page. Compare ZIP 20686 against its county rather than against national figures.

The Census withheld household income, home value, gross rent, poverty rate for ZIP 20686 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.

Reading ZIP 20686 in context

How 20686 sits inside St. Mary's County and Maryland.

ZIP 20686 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 20686 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 20686 reports a median household income of not published. Owner-occupied homes are valued at a median of not published. 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 20686.

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 20686 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.

Sales tax in 20686

What a purchase inside this ZIP costs at checkout.

Rate applied
6%State base rate only
Tax on $100
$6Rounded to the dollar
Tax on $1,000
$60Before any exemptions

Maryland levies 6% statewide with no local add-ons. Check the county page for the local component before you quote a price.

Affordability in this ZIP

Derived from the Census medians above — indicative, not an offer.

Rent burden
—Median rent ÷ median income
Price-to-income
—Home value ÷ household income
Est. mortgage
—20% down, 30-yr at 6.75%
Poverty rate
—Residents below poverty line

A rent burden above 30% is the federal threshold for cost-burdened households, and a price-to-income multiple above 4× is generally considered a stretched housing market. The mortgage figure is principal and interest only — taxes, insurance and HOA dues are extra.

How 20686 compares

ZIP 20686 against the median ZIP in St. Mary's County and across Maryland.

MeasureZIP 20686County medianState medianvs state
Median household income—$117,501$104,338—
Median home value—$405,350$401,000—
Median gross rent—$1,648$1,600—
Population9499264,995-81%

Medians are computed across the 26 ZIP areas in St. Mary's County and the 477 ZIP areas in Maryland.

Statewide rank

Where this ZIP places among all 477 Maryland ZIP areas.

Income

Not published

—
Home value

Not published

—
Population

larger than 27% of 477 state ZIPs

#350

Nearby ZIP codes

Other ZIP codes filed under St. Mary's County.

Adjacent ZIP Codes

Other ZIP codes in St. Mary's County, Maryland.

ZIP 20686 questions

Common questions about this ZIP code.

Where is ZIP code 20686?
ZIP 20686 lies mostly in St. Mary's County, Maryland. County assignment follows the largest share of land area, so a ZIP straddling a county line is filed under its dominant county.
What sales tax do I pay in 20686?
Maryland charges 6% statewide.
Is 20686 expensive to live in?
Median rent runs — a month, and the median home is worth — — — against the typical Maryland ZIP.
Is a ZCTA the same as a postal ZIP code?
Not exactly. The Census builds ZIP Code Tabulation Areas from the ZIP codes of addresses inside each census block, so a ZCTA can differ slightly from the USPS delivery route of the same number, and PO-box-only ZIPs have no ZCTA at all.

Related pages for this area.

Sources & transparency

Every figure on this page is a published estimate for ZIP Code Tabulation Area 20686, except the affordability ratios and mortgage estimate, which we derive from those medians and label as estimates.

Last reviewed December 2024. Figures are published for reference and can change; verify with the source agency before filing or contracting. How we build and check this data.