ZIP Code 20678 — Prince Frederick CDP, MD Demographics & Data

ZIP code 20678 covers Prince Frederick, MD in Calvert County with a population of about 12,686.

At a glance, the area shows median age of 38.7 (near the U.S. median).

It sits in telephone area codes 410, 443, 667; U.S. House district MD-5; the WASHINGTON, DC (HAGRSTWN) media market.

Median household income in ZIP 20678 is about $118,288 — about 57% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.1%; unemployment rate near 2.5%; 29.8% of adults with a bachelor’s degree or higher (about 3.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Construction, and Education; about 11.5% of workers reporting work-from-home (about 3.7 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $428,100 — about 23% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,192 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 79.0% (about 13.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 20678 in Prince Frederick, MD, a household would need roughly $118,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,750. That is roughly in line with the local median household income ($118,288). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Prince Frederick CDP, MD as Very Low (composite score 28.9), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (81.7) and wildfire (52.6). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Prince Frederick CDP, MD show little to no average snow and around 48.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 745 for ZIP 20678 (Prince Frederick CDP, MD) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.