ZIP code 20688

ZIP 20688 is a small town in Calvert County, Maryland, with 1,113 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #345 of 477 ranked by population — larger than 27% of them. The median age here is 72.1 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. 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 20688 earn a median of $88,902 a year, 13.2% 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 0.2% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 20688 is valued at not published, while median gross rent runs $3,000 a month, 113.4% above the national figure, or roughly $36,000 across a full year. A household on the local median income would put about 40.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is severely stretched — a median-income renter clears the cost-burden line by a wide margin before utilities beyond the gross-rent definition. 50.4% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. 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.

A median age of 72.1 puts ZIP 20688 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

The Census withheld home value for ZIP 20688 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 20688 is tabulated inside Calvert County, Maryland, one of 12 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 20688 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 20688 reports a median household income of $88,902, 38% below the $143,421 county median, and 15% below the $104,338 typical MD ZIP. Owner-occupied homes are valued at a median of not published. Rent is reported gross — the contract amount plus tenant-paid utilities — at $3,000 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 20688.

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 20688 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.