ZIP Code 20736 — Owings CDP, MD Demographics & Data

ZIP code 20736 covers Owings, MD in Calvert County with a population of about 9,775.

At a glance, the area shows median age of 39.1 (near the U.S. median).

It sits in telephone area codes 227, 240, 301, 410, and 2 more; U.S. House district MD-5; the WASHINGTON, DC (HAGRSTWN) media market.

Owings, MD ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$159,821)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 20736 is about $159,821 — about 113% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.9%; unemployment rate near 0.3%; 42.3% of adults with a bachelor’s degree or higher (about 8.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Professional services, and Administrative support; about 14.1% of workers reporting work-from-home (about 1.1 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 $570,900 — about 64% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,378 (about 18% above the U.S. median rent ($1,163)), and owner-occupancy near 94.5% (about 29.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 20736 in Owings, MD, a household would need roughly $157,000 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 $3,667. That is roughly in line with the local median household income ($159,821). 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 Owings 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 Owings CDP, MD show little to no average snow and around 45.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 574 for ZIP 20736 (Owings 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.