| ZIP Code | 20685 |
|---|---|
| City | Saint Leonard |
| State | Maryland (MD) |
| County | Calvert County |
| Area Code | 410 |
| Elevation | 105 ft |
| Latitude | 38.434378 |
|---|---|
| Longitude | -76.528681 |
| Timezone | New York (DST) |
| FIPS | 24009 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 45.2 yrs ↑ 3% since 2019 |
|---|---|
| Avg Household Size | 2.74 |
| Below Poverty | 0.5% ▼ 95% below avg |
| College Grads | 32.0% ▼ 17% below avg |
| Unemployment | 1.0% ▼ 80% below avg |
| No HS Diploma | 22 (0.5%) |
| HS Graduate | 1,400 (32.1%) |
| Some College | 740 (17%) |
| Associates | 802 (18.4%) |
| Bachelors | 364 (8.3%) |
| Graduate Degree | 1,032 (23.7%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $122,059 ▲ 60% above avg ↑ 13% since 2019 |
|---|---|
| Median Home Value | $431,200 ▲ 55% above avg ↑ 27% since 2019 |
| Home/Income Ratio | 3.5x (nat avg ~3.5x) |
| Median Rent | $1,515/mo ↓ 8% since 2019 |
| Total Units | 2,494 |
| Vacant Units | 138 |
| Avg HH Size | 2.74 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 2,494 |
|---|---|
| Vacant | 138 |
| Owner Occupied | 94.5% |
| Renter Occupied | 5.5% |
| Avg HH Size | 2.74 |
ZIP code 20685 is located in Saint Leonard, Maryland, within Calvert County. With a population of 6,481, this is a lightly populated ZIP code with a mature community — the median age is 45.2 years. Economically, 20685 is a upper-middle-income ZIP code: the median household income of $122,059 is significantly above the national average.
Real estate in ZIP code 20685 represents a premium housing market. The median home value of $431,200 is significantly above the national average. Renters can expect to pay around $1,515 per month in median rent. Homeownership is strong here — 94.5% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 27% since 2019.
The population of 20685 is primarily White (76.75%). Residents are moderately educated — 32.0% hold a bachelor's degree or higher, which is below the national average. Poverty affects a relatively small share of residents at 0.5%. Household income has grown by 13% since 2019.
The unemployment rate in 20685 stands at 1.0%, which is well below the national average. About 18% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 75%.
Overall, ZIP code 20685 in Saint Leonard, MD is characterized as upper-middle-income, moderately educated, a mature community, and predominantly owner-occupied. With 6,481 residents, a median household income of $122,059, and a median home value of $431,200, it offers a clear picture of life in this part of Maryland.