ZIP Code 20684 — undefined, MD Demographics & Data

ZIP code 20684 covers MD in St. Mary's County with a population of about 825.

At a glance, the area shows median age of 44.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 227, 240, 301; U.S. House district MD-5; the WASHINGTON, DC (HAGRSTWN) media market.

MD ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$176,938)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 20684 is about $176,938 — about 135% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 1.1%; unemployment rate near 0.0%; 50.7% of adults with a bachelor’s degree or higher (about 17.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Public administration, and Manufacturing; about 17.2% of workers reporting work-from-home (about 2.0 points above 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 $375,500 — about 8% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 94.7% (about 29.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 20684 in MD, a household would need roughly $103,000 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 $2,412. That sits below the local median household income ($176,938), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 MD as Very Low (composite score 42.6), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (85.1) and wildfire (59.0). 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 MD show little to no average snow and around 46.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 48 for ZIP 20684 (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.